How Much Is Car Insurance in Missouri?

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The honest answer is that it depends on you: your driving record, your car, where you live and the coverage you choose. Published averages give a useful starting point, though. Here’s what the most reliable public data shows, what moves your price up or down, and how to get a real number.

What is the average cost of car insurance in Missouri?

According to the National Association of Insurance Commissioners (NAIC), the average auto insurance expenditure in Missouri was $1,154.78 per insured vehicle in 2023. That’s the most recent year in NAIC data published by the Insurance Information Institute. Missouri ranked 22nd among the 50 states and Washington, D.C., below the U.S. average of $1,281.92.

NAIC calculates “average expenditure” by dividing total written premium by the number of insured car-years. It’s an average across every driver, vehicle and coverage choice in the state, including people who carry only liability. It isn’t a quote, and NAIC itself says it doesn’t endorse conclusions drawn from the data.

Has car insurance gone up in Missouri?

Yes. NAIC data shows Missouri’s average expenditure rose 15.1%, from $1,003.60 in 2022 to $1,154.78 in 2023. Prices have risen across the country, too. The U.S. average went up 14.0% over the same year.

Why might my price be different from the average?

Because the average blends together very different drivers. A household with two teen drivers and new financed vehicles with full coverage will look nothing like a retiree with one paid-off car and liability only. Your price is based on your own situation, which is why a quote is the only way to know what you’d pay.

What affects car insurance rates in Missouri?

The Missouri Department of Commerce and Insurance (DCI) says most insurance companies use your credit history along with your accidents, violations, age and location to set premiums. Other factors DCI points to include:

• The car you drive. High-performance and more expensive vehicles cost more to insure.
• Your deductibles. Raising your collision and comprehensive deductibles lowers your rate. Liability coverage doesn’t have a deductible.
• Life changes. DCI suggests telling your agent if you drive a lot fewer miles, move, sell a car, have fewer drivers in the household, marry, or turn 21, 25 or 29, since these changes may lower your premium.
• How you pay. Installment plans can add extra cost compared with paying for the full policy period.
• Your coverage choices. Higher liability limits and optional coverages add cost, and they also add protection.

Is car insurance cheaper in Kansas or Iowa?

On average, yes. NAIC data puts the 2023 average expenditure at $972.57 in Kansas and $872.61 in Iowa, compared with $1,154.78 in Missouri. But the coverage rules differ by state. Kansas, for example, requires personal injury protection. Where your car is garaged decides which state’s rules and prices apply. See our Kansas and Iowa pages.

How can I lower my car insurance cost in Missouri?

DCI’s tips for lowering premiums include comparing companies, raising your deductibles, asking about discounts and reconsidering collision and comprehensive coverage on an older car whose value has dropped. It also reminds drivers not to assume that a discount means the rate is a good one, and to compare the total price.

Allstate may offer discounts, such as for bundling policies, insuring more than one car or good student grades. Eligibility and amounts vary, and we’ll tell you which ones you may qualify for. Bundling is covered in our home and auto bundling FAQ.

How much does minimum coverage cost in Missouri?

We don’t publish prices, because they really do depend on the driver. Missouri’s minimum is 25/50/25 liability plus 25/50 uninsured motorist coverage (see our Missouri requirements FAQ). Minimum coverage doesn’t pay to fix your own car, so compare a minimum quote with one that has higher limits before you decide. Our blog post on whether the minimums are enough can help.

How do I get a real quote?

Request a quote online at hiltinsurance.com/quote/, call our Gladstone office at 816-420-0502 or our NKC office at 816-605-7684, or email quote@hiltinsurance.com. Have your driver’s license numbers, vehicle information and current policy handy. See our auto insurance page for more on coverage options.

Talk to a Local Agent

Prefer email? Send your questions to quote@hiltinsurance.com.

Sources: NAIC Auto Insurance Database data as published by the Insurance Information Institute, “Average Expenditures for Auto Insurance by State, 2019-2023”; Missouri DCI, “Tips on Lowering Premiums”. Information is general and current as of October 2026. It isn’t a quote or a guarantee of coverage, discounts or approval.