Car Insurance in Missouri (2026)
Missouri drivers pay an average of $2,355 per year for full-coverage car insurance. The state requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage in thousands). Key factors affecting rates in Missouri include kansas city and st. louis metro areas and severe weather. Comparing quotes from multiple carriers is the best way to find affordable coverage in Missouri, as rates can vary significantly between providers for the same driver profile and coverage level.
$2,355
$196/mo
25/50/25
BI per person/accident/PD
+2%
Above average
State Farm
Most popular in state
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Top Car Insurance Companies in Missouri
Missouri Minimum Coverage Requirements
Missouri requires minimum liability coverage of 25/50/25 plus uninsured motorist coverage.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Missouri
Missouri Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Missouri Department of Insurance and get personalized quotes from carriers.