Missouri Car Insurance Rates

Estimated insurance rates in Missouri for 2018 are $1,140 a year with full coverage. Comprehensive, collision, and liability cost approximately $254, $464, and $294, respectively. Saint Louis and Florissant average the highest car insurance rates, and the two companies with the most written premium are State Farm and American Family.

Average rate for full coverage: $1,140

Premium estimates by individual coverage type:

Comprehensive $254
Collision $464
Liability $294

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Auto Insurance in Missouri

For an average driver, insurance rates go from the low end price of $350 for only liability insurance to a high of $2,462 for a driver required to buy high-risk insurance.

Liability Only $350
Full Coverage $1,140
High Risk $2,462

These rate differences demonstrate why it is important to compare prices using their specific location, instead of depending on averaged prices.

Use the form below to get accurate rates for your location.

Enter your Missouri zip code below to view companies that have cheap auto insurance rates.

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The chart above shows Missouri auto insurance prices for different risks and coverage choices. The cheapest discount price is $653. Insureds who use higher $1,000 deductibles will pay $976. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,140. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,456. Drivers considered high risk could be charged up to $2,462. The cost for full coverage insurance for a teenager can be as high as $4,198.

Auto insurance rates in Missouri also have a wide range based on the type of vehicle you drive, your age and driving habits, and physical damage deductibles and liability limits.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $264 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live in Missouri has a huge impact on auto insurance prices. Less congested rural areas might see rates around $900 a year, whereas some neighorhoods in Saint Louis and Florissant may see prices closer to $1,700. Even different neighborhoods with close proximity in the same city can have significantly different rates.

These rate differences demonstrate the need to quote rates for your specific Missouri zip code.

The make and model of vehicle you drive is a large factor when calculating how much you will pay for insurance in Missouri. Buying a cheaper and lower horsepower model will be cheaper to insure due to cheaper repair costs and lower medical and liability claims.

This table shows car insurance premium estimates for the most popular vehicles in Missouri.

Missouri Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,2025.2%
Dodge Ram$1,2367.8%
Ford Escape$950-20%
Ford Focus$1,102-3.4%
Ford Fusion$1,2105.8%
Ford F-150$1,070-6.5%
GMC Acadia$1,048-8.8%
GMC Sierra$1,1843.7%
Honda Accord$1,064-7.1%
Honda Civic$1,2468.5%
Honda CR-V$924-23.4%
Honda Pilot$1,082-5.4%
Hyundai Sonata$1,1561.4%
Kia Optima$1,1783.2%
Nissan Altima$1,1722.7%
Nissan Rogue$1,1460.5%
Toyota Camry$1,1621.9%
Toyota Corolla$1,136-0.4%
Toyota Prius$1,058-7.8%
Toyota RAV4$1,074-6.1%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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If you have a few violations or you caused an accident, you may be forking out anywhere from $1,400 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 43% to 137% more than the average policy. View High Risk Driver Rates

Your auto insurance company affects your policy price. Each company has a different rate structure, and prices can change based upon different risk factors. In Missouri, car insurance prices range from $655 with USAA to as much as $1,940 with 21st Century. Companies like The Hartford, Electric, and Allied fall somewhere in between.

These are probably not the prices you would have to pay, as your location, your driving history, and the vehicle type all influence the price.

Missouri Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm24.30%$1,246
2American Family13.26%$1,266
3Progressive8.05%$1,396
4Liberty Mutual6.54%N/A
5Geico6.05%$1,420
6Farmers Insurance5.85%$1,128
7Shelter Insurance5.30%$1,433
8Allstate4.56%$1,917
9Auto Club4.27%$1,503
10Nationwide3.91%$858
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,100 a year. View Rates by Age

With so much difference in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted rates will be substantially different.

Missouri Auto Insurance Articles

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Rates by Driver Age

Missouri Insurance Rates by Driver Age
Driver AgePremium
16$4,198
20$2,632
30$1,194
40$1,140
50$1,040
60$1,022

Full coverage, $500 deductibles

Rates by Deductible

Missouri Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,456
$250$1,308
$500$1,140
$1,000$976

Full coverage, driver age 40

Rates by Liability Limit

Missouri Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,140
50/100$1,199
100/300$1,272
250/500$1,463
100 CSL$1,228
300 CSL$1,390
500 CSL$1,508

Full coverage, driver age 40

Rates for High Risk Drivers

Missouri Car Insurance Rates for High Risk Drivers
AgePremium
16$5,996
20$4,182
30$2,522
40$2,462
50$2,350
60$2,326

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$61
Multi-vehicle$59
Homeowner$16
5-yr Accident Free$86
5-yr Claim Free$73
Paid in Full/EFT$54
Advance Quote$57
Online Quote$81
Total Discounts$487
Rate after discounts $653

Discounts are estimated and may not be available from every company or in every state.

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