The average cost of a full coverage car insurance policy in the state of Missouri is $1,588 per year, but rates can vary widely from city to city. The average cost of car insurance in St. Louis is $2,434 while those living in Wooldridge pay an average of only $1,490.
No matter where in Missouri you live, the best way to find cheap car insurance is to shop around and compare quotes before you buy. Policygenius can help you see what you’ll pay with top companies, so you can be confident you’re not missing out on a better deal.
Cheapest car insurance companies in Missouri
Insurance costs vary based on where you live, how old you are, your driving record, and the type of car you drive. Every insurance company has its own unique formula for determining rates, so you can get different rates from two companies, even for identical coverage.
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Cheapest car insurance companies by age in Missouri
Your age also matters a lot when it comes to car insurance. Young drivers pay much more than older drivers because of their lack of driving experience. But some companies offer cheaper rates to young drivers than others.
Choosing the right car insurance company in Missouri
Choosing the right car insurance company may seem like an overwhelming task, but it’s easier than you think. Make sure you’re considering these key factors:
Cost: Get quotes from multiple car insurance companies so you can compare options and make sure you’re getting affordable rates
Coverage: The higher you set your limits, the more protection you’ll have in case of an accident, so figure out how much coverage you can get while staying in budget
Service: Check out things like claims satisfaction ratings or perks like accident forgiveness to make sure you’re choosing a company that will do right by you
Policygenius makes it easy to see rates from top companies so you know exactly what your options are.
Car insurance rates for drivers with driving violations in Missouri
Your driving history can have a big impact on how much you pay for car insurance. Speeding tickets, accidents and violations like a DUI will increase your rates, sometimes by thousands of dollars a year.
Cheapest car insurance for drivers with bad credit in Missouri
Drivers with poor credit typically pay more for car insurance, which makes it all the more important for them to shop around before they buy a policy. The table below shows the five cheapest car insurance companies in Missouri for drivers who have bad credit.
Rates for drivers with bad credit
Car insurance costs in Missouri cities
Rates are typically higher in bigger cities, because more cars on the roads means more opportunities for accidents. The list below shows the average annual car insurance costs for the 10 biggest cities in Missouri by population size.
Kansas City: $1,835
St. Louis: $2,434
Lee’s Summit: $1,563
St. Joseph: $1,532
St. Charles: $1,551
Blue Springs: $1,550
Buying car insurance in Missouri
Missouri requires that all drivers have a minimum amount of car insurance — and you must show proof of insurance when you register your vehicle. The minimum amounts required are:
$25,000 per person/$50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person/$50,000 per accident in uninsured motorist coverage
Missouri is not a no-fault state. This means that the insurance of the driver who is determined to be at fault for an accident will pay for the other driver’s repair costs and medical bills. That’s why it’s a good idea to set your liability limit much higher than the minimums required by the state.
How to get cheap car insurance in Missouri
There are several ways to get cheap car insurance in Missouri, including:
Drive safely: Avoid accidents and moving violations if you want to keep your car insurance rates low
Compare quotes: Shop around and compare rates from multiple insurance companies before you buy.
Take advantage of discounts: Most insurance companies offer discounts for things like paying your bill in full for the year, going paperless, taking a defensive driving course, and owning a home
Bundle policies: Get your home and auto insurance from the same company and you’ll save on both
Find car insurance in your city:
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.