Average Car Insurance Cost in Missouri
Numbers refreshed
NAIC coverage averages for Missouri, including each type's national rank.
- $1,462.each year on average for full coverage.
- Minimum liability limits are 25/50/25.
- It ranks 22nd of 51 among the most expensive states (1st = highest).
Missouri average cost by type of coverage
Full coverage costs an average of $1,462 each year in Missouri. This is 9% below the US average of $1,613 each year.
Average spending per insured car rose from $1,153 in 2023 to $1,274 in 2024, an increase of 10.5%.
| Coverage in Missouri | Per year | Per month |
|---|---|---|
| Liability | $669 | $56 |
| Collision | $431 | $36 |
| Comprehensive | $362 | $30 |
| Full coverage (all three) | $1,462 | $122 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Missouri compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Mississippi | 19th | $1,542 | $129 |
| Washington | 20th | $1,522 | $127 |
| Arkansas | 21st | $1,465 | $122 |
| Missouri | 22nd | $1,462 | $122 |
| Oklahoma | 23rd | $1,454 | $121 |
| New Mexico | 24th | $1,422 | $118 |
| Utah | 25th | $1,403 | $117 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your personal number
Every age and driving record is included in the averages. The Missouri calculator adjusts for your age and driving record.
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