Car Insurance in Missouri
Numbers were refreshed
What Missouri drivers pay, the legal minimum and which insurers cost the least
- $122.average monthly cost for full coverage
- 25/50/25.minimum limits for liability coverage
- 22nd of 51.most costly state (1st = highest)
How much car insurance costs in Missouri
Full coverage costs the average Missouri driver $1,462 a year, or about $122 a month Policies that carry just the legal minimum average $669 a year. The US average is $1,613 a year, so that's 9% less
| 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).
Legal minimum coverage in Missouri
Missouri law sets the minimum for liability at 25/50/25. Each person hurt is covered for $25,000, everyone hurt in one crash for $50,000, and harm to other people's property for $25,000.
In Missouri, the driver at fault pays out of their own liability cover.
The law requires uninsured motorist cover.
How many Missouri drivers lack insurance
In 2023, about 21% of Missouri drivers had no car insurance, the 6th highest share of the 51 If an uninsured driver hits you, uninsured motorist cover pays the bills.
is when it was first written