Jessica Fox Last Updated On: August 2, 2023

The Show-Me State: Car Insurance in Missouri

As the nickname implies, the show-me state has plenty of exciting experiences to offer. Whether you want to see the gorgeous state parks, the Gateway Arch or Kansas City, Missouri has 268 201 miles of road for you to explore.

No matter where you’re driving to in Missouri, you’ll need car insurance to protect your wallet while on the road.

Each and every one of America’s 50 States has unique requirements and laws surrounding auto insurance policies. All that conflicting information can get confusing, but ConsumerCoverage is here to help.

This article breaks down everything you need to know about Missouri car insurance.

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Table of Contents

Average Cost of Auto Insurance in Missouri

Let’s start off with what everyone wants to know: the price.

Insurance providers determine prices based on risk. The more of a risk you are to insure, the higher your premiums will be. Insurers evaluate risk by considering various factors such as:

  • Age
  • Gender
  • Credit Score
  • Driving History
  • Policy Type
  • Location

Because every driver poses a different level of risk, it’s impossible to give a single price that represents what all Missouri drivers will pay for their policies.

We can, however, provide several calculated average costs of car insurance in Missouri, which is what we’re about to do. Ready? Ta da!

  • $1 698 per year for full coverage
  • $566 per year for minimum coverage
  • $5 483 per year for teen drivers
  • $2 340 per year for drivers with DUI

These average figures are an excellent baseline to compare your Missouri car insurance quotes. If you’re able to find a policy below or at least close to the appropriate average, then you’ve found yourself a great deal.

Missouri Minimum Coverage Requirements

As is the case with most other states, Missouri mandates that all drivers must carry car insurance. In other words, driving without insurance is illegal, and doing so will result in both legal and financial penalties.

The amount of insurance that you have to carry is also regulated by the state government. Minimum coverage requirements are the state-mandated amounts of coverage that drivers have to carry. Anything less than the minimum coverage does not count as insurance.

In Missouri, the legal minimum coverage includes:

  • Liability Coverage
    • $25 000 per person and $50 000 per accident for Bodily Injury Liability Coverage
    • $25 000 per accident for Property Damage Liability Coverage
  • Uninsured Motorist Coverage
    • $25 000 per person and $50 000 per accident for Uninsured Motorist Bodily Injury Coverage

As previously mentioned, the average price that you can expect to pay for a minimum coverage Missouri auto insurance policy is $566.

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Understanding Different Types of Coverages

You now know how much coverage you need to carry and roughly what it costs, but what does it all mean?

Car insurance is broken down into different coverage types that look after expenses incurred in a variety of circumstances. Here’s what the minimum coverage requirements mean:

  • Liability Coverage: for expenses incurred by an accident that you are at fault for. Includes bodily injury to other persons and property damage.
  • Uninsured Motorist Coverage: for expenses incurred by an accident that another party—who does not carry insurance—is at fault for. Normally their insurance provider would cover your bodily injury expenses, but in these cases, your insurance company will take care of it.

While these are the only coverages that you technically need to have on your insurance, there are other coverages that we strongly recommended carrying.

Think of it this way: the more coverage that you carry, the better equipped your insurance company is to help you out.

In addition to the minimum coverage, you have to option to add the following coverages to your Missouri car insurance:

  • Collision Coverage: for expenses incurred by damage to your own vehicle in an accident.
  • Comprehensive Coverage: for expenses incurred by non-collision-related damages to your vehicle. For example, comprehensive coverage includes theft, vandalism, and weather.
    • Note – a ‘standard coverage’ or ‘full coverage’ policy refers to policies that carry the minimum coverage as well as comprehensive and collision coverage.
  • Loan/Lease Payoff Coverage: for expenses relating to paying off your vehicle, even after an accident. These policies take into account the depreciated value of your vehicle once it is driven off the lot.
  • Medical Payments Coverage: for expenses incurred in an accident relating to medical treatments.
  • Rental Car Reimbursement Coverage: for the expense of a rental car while your own is being repaired or replaced.
  • Roadside Assistance Coverage: for additional services you may need while on the road such as a tow truck or tire change.
  • Underinsured Motorist Bodily Injury Coverage: for expenses incurred by an accident that another party is at-fault for. In these cases, the other party does have insurance, but not enough of it to cover the full expense.

Insurance companies offer these additional coverages because they know just how often they can come in handy. Of course, we understand that you have to consider your budget alongside the coverage options, but we do urge you to strongly consider carrying as much coverage as possible.

Insurance experts recommend that most people opt for a policy with comprehensive and collision coverage because these policies provide extra protection while still being affordable.

How to Get Cheap Car Insurance in Missouri

Missouri’s average car insurance price is $1 698, which is 11% more than the national average for the United States. But don’t get discouraged. We at ConsumerCoverage are sharing our money-saving tips so that you can find the cheapest car insurance in Missouri.

Here’s what you can do to start saving on car insurance today:

  • Compare Quotes and Compare Them Often: No two insurance companies will have the same price on their insurance, which is why you have to get multiple Missouri auto insurance quotes to find the best price. The more quotes you get, the better your chances of finding a good deal. And you should get new quotes every year to ensure you’re still getting the best price.
  • Practice Safe Driving: A clear driving and claims record will do more to lower your insurance premiums than anything else you can do. By practicing safe driving, not only are you protecting yourself and other drivers on the road, but you’re also protecting your wallet. It’s a win-win-win!
  • Seek Out Discounts: Insurance companies offer a lot of discounts on their car insurance policies—you just have to know where to look. See if your chosen insurance provider offers discounts for things like:
    • Bundling with homeowner’s insurance
    • Signing up online
    • Alumni
    • Veterans
    • Safe vehicle
  • Talk to the Experts: There are nerds out there who know everything there is to know about insurance because it’s literally their job. We know this for a fact because we are some of those nerds! Speaking to people like us at ConsumerCoverage helps you gain a better understanding of your insurance and how you can save money.

Like most objects in your side mirrors, affordable car insurance in Missouri is closer than it may appear. Especially with these tips!

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Everybody’s insurance needs are different. Some people are just trying to find some cheap auto insurance in Missouri. Others are looking for a policy with as much coverage as possible so that they feel safe and secure.

No matter who you are or what you want out of insurance, ConsumerCoverage is here for you. Reach out to us with any questions or queries you have regarding Missouri auto insurance.

We also have lots more helpful online resources and can give you access to free car insurance quotes in Missouri.


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