Full Coverage Car Insurance in Missouri
Numbers refreshed
Liability, collision and comprehensive together, priced from the Missouri averages.
- The average monthly cost of full coverage is $122.
- The minimum liability limits are 25/50/25.
- 22nd of 51.The most expensive state (1st = highest).
How much full coverage costs in Missouri
Full coverage adds collision and comprehensive to liability. Those two parts cost $793 a year in Missouri, added to the $669 liability average.
| 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).
Where full coverage stops being worth it
While you still owe money on the car, lenders and lease companies require it.
After the car is paid off, weigh its value against the $793 a year price of added cover. When a single bad year of premiums would cover most of what the car is worth, liability only is usually the smarter pick.
What each car costs for full coverage in Missouri
These estimates are for an adult with a clean record and come from IIHS-HLDI loss results. Of the 40 models we price, here are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $948 | $79 |
| Honda Pilot | $955 | $80 |
| Subaru Outback | $1,031 | $86 |
| Toyota RAV4 | $1,090 | $91 |
| Mercedes-Benz C-Class | $2,003 | $167 |
| Chevrolet Camaro | $2,393 | $199 |
| Dodge Charger | $2,556 | $213 |
| Dodge Challenger | $2,741 | $228 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written