Liability Car Insurance in Missouri
Numbers refreshed
Missouri's cheapest legal policy: its cost and what it doesn't cover.
- $56.average each month for liability coverage.
- 25/50/25.lowest liability limits.
- Cost ranking puts it 22nd of 51 (1st = highest).
How much liability costs in Missouri
Across Missouri, liability-only car insurance averages $669 a year, or about $56 each month. For liability, Missouri ranks as the 27th most expensive state.
| 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).
What you still pay with the minimum
Missouri requires at least 25/50/25 in liability coverage. That means $25,000 for each person hurt and $50,000 for all people hurt in a single crash. Property belonging to others is covered up to $25,000.
Liability coverage pays other people. Unless you add collision coverage, you pay for repairs to your own car.
Any amount a crash costs above your limits can be claimed from you. You usually pay far less for higher limits than the amount of added protection you receive.
First written