How much is car insurance in Missouri?
Car insurance in Missouri cost an average of $1,323 a year for full coverage in 2023 (NAIC), sitting 8% below the $1,439 national average and coming to about $1,570 a year in Missouri today (about $130 a month in August 2026 dollars). In Missouri, the law asks for at least 25/50/25 liability, while Missouri liability-only policies—the closest NAIC figure to minimum coverage—averaged $614 in 2023 (about $730 today).
Average car insurance cost in Missouri: 8% below the US average
Typical Missouri full-coverage price today
about $1,570 a year in Missouri (about $130 a month)
Missouri's 2023 NAIC full-coverage average ($1,323) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Missouri rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Missouri was the 21st most expensive of the 50 states and DC for full coverage ($1,323 vs $1,439 nationally), while ranking lower on liability alone (25th lowest in the US at $614) because 54% of a full-coverage Missouri premium goes to collision and comprehensive coverage on your own car. Counting every insured car in Missouri—both full-coverage and liability-only policies—Missouri drivers spent $1,155 per vehicle on average in 2023 (22nd highest in the US, about $1,370 today), or 13% ($168) less than Missouri's full-coverage combined average.
How Missouri compares with Arkansas, Illinois, Iowa, and 5 more bordering states
A typical policy in Missouri ($1,323 in 2023) costs more than in Arkansas, Illinois, Iowa, Kansas, Kentucky, Nebraska, and Tennessee and less than in Oklahoma. Among Missouri's neighbors, Iowa had the lowest 2023 average ($1,010, moving to Missouri is about $420 more a year) and Oklahoma had the highest ($1,324, moving to Missouri is about the same).
| State | 2023 average | Moving to Missouri from there |
|---|---|---|
| Missouri | $1,323 | Current state (Missouri) |
| Arkansas | $1,296 | About the same |
| Illinois | $1,257 | About $90 more a year |
| Iowa | $1,010 | About $420 more a year |
| Kansas | $1,182 | About $190 more a year |
| Kentucky | $1,208 | About $150 more a year |
| Nebraska | $1,184 | About $190 more a year |
| Oklahoma | $1,324 | About the same |
| Tennessee | $1,212 | About $150 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: New Mexico ($1,301 in 2023, about $1,540 today), Utah ($1,285 in 2023, about $1,520 today), Pennsylvania ($1,273 in 2023, about $1,510 today), and Alabama ($1,269 in 2023, about $1,500 today).
Missouri: 25/50/25 minimums, with mandatory uninsured-motorist coverage
- Missouri liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Missouri
- Not required
- Medical payments in Missouri
- Not required
- No-fault system in Missouri
- No
- Uninsured motorist in Missouri
- Required
- Underinsured motorist in Missouri
- Not required
Set by RSMo 303.190.2(2), Missouri's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Missouri, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Missouri—the closest NAIC figure to what a Missouri minimum policy costs—averaged $614 in 2023 (about $730 in Missouri today), the 25th lowest of the 50 states and DC. That makes liability 46% of Missouri's full-coverage average ($1,323), while the remaining 54% goes toward collision and comprehensive coverage for your own car.
Missouri requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every personal auto policy must also include uninsured motorist coverage of at least $25,000/$50,000. Underinsured motorist coverage is optional.
What we couldn’t confirm: We marked underinsured motorist coverage not required because we found no law requiring it; the law only covers how it works if you buy it. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is required on personal policies, at no less than $25,000/$50,000, and there's no way to turn it down. For commercial vehicles and fleets of five or more, it only has to be offered. Underinsured motorist coverage is optional.
- History and recent checks
- RSMo 303.190 has been effective since July 1, 2019, 303.025 since Jan. 1, 2024, and 379.203 since Aug. 28, 1991. We found no change to the minimum amounts in 2024-2026.
- Checked
- September 22, 2026
- Sources
- RSMo 303.190.2(2)
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- RSMo 303.025
No owner of a motor vehicle registered in this state ... shall operate, register or maintain registration ... unless the owner maintains the financial responsibility
- RSMo 379.203.1
No automobile liability insurance ... shall be delivered or issued ... unless coverage is provided therein ... in not less than the limits for bodily injury or death set forth in section 303.030
- Missouri Department of Revenue, Insurance Information
The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
- RSMo 379.204
Any underinsured motor vehicle coverage with limits of liability less than two times the limits ... shall be construed to provide coverage in excess
- RSMo 303.190.2(2)
Adding a 16-year-old driver in Missouri: about $1,030 more a year
Adding a 16-year-old to a Missouri policy
about $1,030 more a year
About $85 a month (+66% over a typical Missouri adult policy of $1,570), bringing the combined Missouri family policy to roughly $1,950–$3,450 a year.
On a separate Missouri policy of their own with the same car, a 16-year-old in Missouri would pay about $4,500 a year (roughly $3,450–$6,400), so sharing a parent's Missouri policy saves about $3,460 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Missouri's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Missouri
In Missouri, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $920 more a year on a Missouri policy, compared with about $1,560 more a year for the 2022 Tesla Model 3 in Missouri.
| 2022 model | Added to a Missouri policy | Own Missouri policy |
|---|---|---|
| 2022 Subaru Forester | +$920 in Missouri | $4,010 in Missouri |
| 2022 Subaru Outback | +$930 in Missouri | $4,020 in Missouri |
| 2022 Subaru Crosstrek | +$930 in Missouri | $4,040 in Missouri |
| 2022 Honda CR-V | +$990 in Missouri | $4,320 in Missouri |
| 2022 Toyota RAV4 | +$1,010 in Missouri | $4,390 in Missouri |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Missouri
In Missouri, a 45-year-old with full coverage pays from about $1,460 a year for a 2024 GMC Acadia to about $1,880 for a 2024 Jeep Compass on these Missouri sample models.
| Car | 45-year-old in Missouri | Adding a teen in Missouri |
|---|---|---|
| 2024 GMC Acadia | about $1,460 a year | +$970 a year |
| 2024 GMC Yukon | about $1,590 a year | +$1,050 a year |
| 2024 Jeep Grand Cherokee | about $1,780 a year | +$1,180 a year |
| 2024 Jeep Compass | about $1,880 a year | +$1,240 a year |
| 2024 Nissan Pathfinder | about $1,740 a year | +$1,150 a year |
| 2024 Nissan Murano | about $1,780 a year | +$1,180 a year |
| 2024 Volkswagen Tiguan | about $1,660 a year | +$1,090 a year |
| 2024 Volkswagen Atlas | about $1,600 a year | +$1,060 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Missouri
- How much is car insurance in Missouri?
- In Missouri, full-coverage car insurance averaged $1,323 a year in 2023 (the 21st most expensive of the 50 states and DC per NAIC), or about $1,570 a year ($130 a month) in Missouri as of August 2026. Missouri liability-only coverage averaged $614 in 2023 (46% of Missouri's full-coverage figure, or about $730 today), and Missouri drivers spent $1,155 per insured car across all policies.
- What are the minimum car insurance limits in Missouri?
- Under RSMo 303.190.2(2), Missouri requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. RSMo 303.190 has been effective since July 1, 2019, 303.025 since Jan. 1, 2024, and 379.203 since Aug. 28, 1991. We found no change to the minimum amounts in 2024-2026.
- How much does adding a 16-year-old teen driver cost in Missouri?
- Adding a 16-year-old to a parent's full-coverage policy in Missouri adds about $1,030 more a year ($85 a month), bringing the Missouri household policy to roughly $1,950–$3,450 a year versus about $4,500 a year (roughly $3,450–$6,400) on a standalone Missouri teen policy.
- Is Missouri a no-fault car insurance state?
- No—Missouri is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Missouri does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Missouri: Uninsured motorist coverage for injuries is required on personal policies, at no less than $25,000/$50,000, and there's no way to turn it down. For commercial vehicles and fleets of five or more, it only has to be offered. Underinsured motorist coverage is optional.
- How does Missouri's car insurance cost compare with Arkansas?
- Missouri averaged $1,323 for full coverage in 2023 (NAIC) against $1,296 in Arkansas (2% more than Arkansas), and moving a sample policy from Arkansas to Missouri today is about the same. Other bordering states averaged $1,257 in Illinois, $1,010 in Iowa, $1,182 in Kansas, $1,208 in Kentucky, $1,184 in Nebraska, $1,324 in Oklahoma, and $1,212 in Tennessee in 2023.
Sources for Missouri
- Missouri average premiums ($1,323 full coverage, $614 liability-only, $1,155 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Missouri minimum coverage statutes (RSMo 303.190.2(2); RSMo 303.025; RSMo 379.203.1; Missouri Department of Revenue, Insurance Information; RSMo 379.204), checked September 22, 2026. Page updated for Missouri. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.