Cheap Missouri Auto Insurance for 2024

Missouri auto insurance state minimums are 25/50/10. The average Missouri auto insurance rates are $92 per month for full coverage. To find cheap Missouri auto insurance, shop around for quotes from a number of different Missouri auto insurance companies.

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Insurance Content Team Lead

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

UPDATED: Nov 8, 2023

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What You Should Know

  • Missouri auto insurance minimum requirements are 25/50/10
  • The average car insurance cost in Missouri per month is $92 for full coverage
  • The minimum uninsured motorist coverage in Missouri is 25/50

Missouri, one of the most populous states in the Midwest, is home to two very large urban areas – St. Louis and Kansas City. With the number of people packed into its urban areas, it’s amazing that Missouri can manage to have such an affordable rate of auto insurance in comparison to other states in the nation.

How much does car insurance cost in Missouri, and how much coverage do you need by law? Understanding auto insurance in Missouri is the key to shopping for coverage with confidence. Read on for everything you need to know to buy cheap Missouri auto insurance.

To compare Missouri auto insurance quotes right now, simply enter your ZIP code above.

Auto Insurance Requirements And Laws In Missouri

In Missouri, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $10,000 per accident

Take a look at how Missouri’s minimum rates compare with surrounding states.

Uninsured motorist coverage is also required at a minimum of:

  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage –  $50,000 per accident

You can also select from these and other optional coverages in Missouri:

In Missouri, there are three ways that you demonstrate proof of financial responsibility to the Department of Revenue. You can leave a deposit of $60,000, purchase liability insurance, or file a real estate bond. Coming up with $60,000 can be a difficult task for almost everyone, which is why most people end up purchasing some kind of auto insurance instead. When purchasing auto insurance in Missouri, you must meet the minimum requirements.

There are two categories of minimum requirements of coverage that you have to comply with, which are bodily injury liability and property damage liability. For all of these, the state declares that you have to purchase at least a certain amount of insurance, but it is not always recommended that you only get the minimum amount of coverage. In many cases, it is wiser to buy more than what they suggest to protect your assets.

First of all, the state requires that you purchase a minimum of $25,000 in liability for bodily injury per person and $50,000 per incident. This pays for injuries to the other driver, passengers, and even pedestrians in the event that you are at fault in an accident.

You are also required to purchase a minimum amount of property damage liability to pay for damage to the other vehicle or other property when you are at fault in the accident. The state of Missouri only requires that you cover a minimum of $10,000 for property damage. This minimum is often time’s not enough, however.

Many vehicles on the road today are worth much more than $10,000. to ensure you have enough coverage if you’re found at fault for totaling a brand new BMW, for example, you will want to carry more coverage.

To protect yourself against uninsured drivers, the state also requires $25,000 in coverage per person and $50,000 per accident in uninsured motorist coverage. This pays for damages done when the other driver does not have insurance.

The state has three different penalties for lack of insurance in the case of an accident. You can accumulate four points on your driver’s license, be put under monitoring by the state or you could have your driver’s license completely rescinded.

To prevent the possibility of ever having your license suspended, it is suggested that you always have insurance and proof of insurance on hand in case you ever find yourself in a situation where you would have to show someone that you are insured.

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Missouri Auto Insurance Rates

While the average rate of auto insurance in the United States is $1,439.14, Missouri’s average is over $300 cheaper, coming in at around $1,100.

This is not the same for the rates in major cities, however. In Kansas City, the average premium for auto insurance is about the same as the national average, at about $1,450.

Once again, looking at the metropolitan makeup of Kansas City, this rate is rather inexpensive when considering the potential amount of damages due to the fact that the city is so densely populated.

There are a lot of factors that Missouri auto insurance providers take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Missouri Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Missouri Accident Statistics

It’s also important to remember that the road is a very dangerous place and many accidents occur over the course of a year. In 2009 alone, there were 75,264 accidents in Missouri, of which 20,178 inflicted injury and 577 were fatal.

Getting into an accident without insurance can put you in an even worse position in addition to the accident, as it adds the burden of financial responsibility. That’s why buying insurance is required beforehand – it eliminates the worry of paying for the accident and puts all the focus on the damages at hand.

Buying insurance is very important, so it’s essential that you are well-read and highly educated on the Missouri car insurance requirements before making any major purchases.

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Missouri Auto Insurance Agents

Below you will find a list of Missouri auto insurance agents.

Missouri Auto Insurance Agents

Additional Missouri Automobile Insurance Information

Check out these official sources for more information on Missouri auto insurance and driving laws.

Ready to find affordable Missouri auto insurance? Compare Missouri auto insurance rates from top companies by entering your ZIP code below right now.

Frequently Asked Questions

What are the minimum auto insurance requirements in Missouri?

In Missouri, the state liability coverage minimums are:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per incident
  • $10,000 for property damage

What is the recommended auto insurance coverage in Missouri?

In addition to the state minimum requirements, you can also choose from optional coverages such as:

  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist coverage
  • Rental car reimbursement

What happens if I don’t have auto insurance in Missouri?

Driving without insurance in Missouri can result in penalties, including:

  • Accumulating four points on your driver’s license
  • Being put under monitoring by the state
  • Having your driver’s license suspended or revoked

How much does auto insurance cost in Missouri?

The average auto insurance rate in Missouri is around $1,100 per year. However, rates can vary depending on factors such as your location, driving record, age, and the insurance company you choose.

How can I save money on Missouri auto insurance?

To save on Missouri car insurance, consider the following tips:

  • Shop around and compare quotes from multiple insurance companies.
  • Maintain a clean driving record and avoid accidents and traffic violations.
  • Increase your deductibles for comprehensive and collision coverage.
  • Take advantage of available discounts, such as multi-policy, good driver, or student discounts.

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