Car insurance in Missouri
Drivers in Missouri paid $1,323 a year for full coverage in 2023, 8% below the national average. With prices up since, figure on about $1,570 today. In Missouri, the law asks for at least 25/50/25 liability.
What people pay in Missouri
A typical yearly price today
about $1,570 a year (about $130 a month)
Missouri's average full-coverage cost in 2023 was $1,323, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,570.
That makes Missouri the 21st most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Missouri next to its neighbors
A typical policy in Missouri costs more than in Arkansas, Illinois, Iowa, Kansas, Kentucky, Nebraska, and Tennessee and less than in Oklahoma.
| State | Typical price, 2023 | Moving to Missouri from there |
|---|---|---|
| Missouri | $1,323 | Not a move |
| Arkansas | $1,296 | About the same |
| Illinois | $1,257 | About $90 more a year |
| Iowa | $1,010 | About $430 more a year |
| Kansas | $1,182 | About $190 more a year |
| Kentucky | $1,208 | About $160 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 |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Missouri's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $614 in Missouri in 2023 (about $730 today, brought up the same rough way), the 25th lowest of the 50 states and DC. That's about 46% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
A new teen driver in Missouri
Adding a 16-year-old to a typical policy
about $1,030 more a year
About $85 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,950–$3,450 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,500 a year in Missouri (roughly $3,450–$6,400).
What adding a teen costs comes from California's published prices, so the range is wide, and Missouri may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,560 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$920 a year | $4,010 a year |
| 2022 Subaru Outback | +$930 a year | $4,020 a year |
| 2022 Subaru Crosstrek | +$930 a year | $4,040 a year |
| 2022 Honda CR-V | +$990 a year | $4,320 a year |
| 2022 Toyota RAV4 | +$1,010 a year | $4,390 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Missouri (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Missouri's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.