For a 40-year-old driver with a clean record, Missouri car insurance averages about $203 a month ($2,431 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 13% below the national average in our data. It’s about the same as in Arkansas and Illinois, higher than in Iowa and Tennessee and lower than in Kansas, Kentucky, Nebraska and Oklahoma. Shelter has the lowest full-coverage average among the five major insurers we compared (American Family, GEICO, Progressive, Safeco and Shelter), at about $157 a month.
Missouri car insurance: key numbers
Where you live matters. The two big metros cost the most in our data: St. Louis City averages about $273 a month for full coverage, Jackson County, home to Kansas City, $224 and St. Louis County $218. Southeast Missouri and the capital area cost the least, and Stoddard County is the least expensive area we price, at $160. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.
Cost data comes from the auto rates insurers file with state regulators, priced across 287 Missouri ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In Missouri, full coverage averages about $203 a month ($2,431 a year), and liability-only coverage at 25/50/10 limits averages $65 a month ($782 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Aug. 31, 2026.
Full coverage in Missouri averages $2,431 a year, or about $203 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $782 a year ($65 a month), and 50/100/50 liability with comprehensive and collision averages $2,502 ($209 a month).
Full-coverage averages: Missouri and its neighbors
Monthly, for the same benchmark driver and car in each state. Select a state to see its guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Missouri’s average is about $1 a month below Arkansas’, $2 above Illinois’, $7 above Iowa’s, $19 below Kansas’, $26 below Kentucky’s, $21 below Nebraska’s, $40 below Oklahoma’s and $16 above Tennessee’s. It’s the 26th-highest of the 50 states and Washington, D.C., in our data.
Shelter has the lowest full-coverage average among the five insurers in our Missouri rate data. The recent published statewide Missouri rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, one ranks Shelter and one Nationwide, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these five insurers, at about $44 a month, followed by Shelter at $51.
Full-coverage averages by insurer in Missouri
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Shelter | $608 | $51 | $1,878 | $157 |
| Progressive | $530 | $44 | $2,113 | $176 |
| Safeco | $894 | $75 | $2,395 | $200 |
| GEICO | $835 | $70 | $2,599 | $217 |
| American Family | $1,042 | $87 | $3,172 | $264 |
| State Farm (Nov. 2025 rates)* | $831 | $69 | $2,919 | $243 |
| USAA (military families)* | $347 | $29 | $1,234 | $103 |
| Travelers* | $608 | $51 | $1,743 | $145 |
| Missouri Farm Bureau* | $557 | $46 | $2,511 | $209 |
| Nationwide* | $1,215 | $101 | $2,645 | $220 |
| Missouri average | $782 | $65 | $2,431 | $203 |
These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.
Shelter
Full coverage down 8.1% in the past 9 months $157/mo full coverageThe lowest full-coverage average statewide and second for liability-only coverage, among 5 major insurers. It cut its full-coverage average 8.1% in the past 9 months and cut its liability-only average 6.7%.
Progressive
Full coverage down 27.5% in the past 9 months $176/mo full coverageSecond of five for full coverage and first among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 27.5% in the past 9 months and cut its liability-only average 1.1%.
Safeco
New in the past 9 months $200/mo full coverageThird of five for full coverage and fourth among 5 major insurers for liability-only coverage statewide. It’s new in our rates in the past 9 months, so we can’t compare its prices over time.
GEICO
Full coverage up 0.9% in the past 9 months $217/mo full coverageFourth of five for full coverage and third among 5 major insurers for liability-only coverage statewide. It raised its full-coverage average 0.9% in the past 9 months and raised its liability-only average 1.0%.
American Family
Full coverage down 30.5% in the past 9 months $264/mo full coverageFifth of five for full coverage and fifth among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 30.5% in the past 9 months and cut its liability-only average 17.5%.
Also selling in Missouri
Priced from published studiesOur statewide figures are about $103 a month for USAA, $145 for Travelers, $209 for Missouri Farm Bureau and $220 for Nationwide. State Farm’s latest rates, from November 2025, average about $243 a month.
USAA reviewNot for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Missouri ZIP codes, their full-coverage average fell from $3,025 a year nine months earlier to $2,440 in rates as of Aug. 31, 2026, a 19.3% drop. American Family’s Missouri average fell 30.5%, Progressive’s 27.5% and Shelter’s 8.1%, while GEICO’s rose 0.9%. Safeco is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Missouri average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits fell 8.0%, led by American Family, which cut its liability-only average 17.5%.
Change in full-coverage averages over the past 9 months
Same driver, same insurer, same ZIP codes. Statewide averages.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.
Missouri’s full-coverage average is the 26th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.
Among cities with at least three ZIP codes in our data, Florissant is the most expensive, at $243 a month for full coverage, followed by St. Louis at $242 and Kansas City at $226. Columbia is the least expensive, at about $177. Across all 178 cities and towns we price, averages run from about $243 in Florissant to $160 in Dexter.
Full-coverage averages in Missouri cities with three or more ZIP codes
Monthly, cities with at least three ZIP codes in our data. Dark bars have a city guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
The table lists all 178 Missouri cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.
| City or Town: | ZIP Codes in Our Data: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Florissant | 3 | $1,093 | $91 | $2,919 | $243 |
| St. Louis | 42 | $1,044 | $87 | $2,908 | $242 |
| Hazelwood | 1 | $1,003 | $84 | $2,760 | $230 |
| Kansas City | 34 | $922 | $77 | $2,716 | $226 |
| St. Ann | 1 | $995 | $83 | $2,650 | $221 |
| Bridgeton | 1 | $966 | $81 | $2,619 | $218 |
| Grandview | 1 | $913 | $76 | $2,611 | $218 |
| Independence | 7 | $881 | $73 | $2,584 | $215 |
| El Dorado Springs | 1 | $602 | $50 | $2,565 | $214 |
| De Soto | 1 | $815 | $68 | $2,546 | $212 |
| Dittmer | 1 | $792 | $66 | $2,541 | $212 |
| Lawson | 1 | $684 | $57 | $2,501 | $208 |
| Hillsboro | 1 | $797 | $66 | $2,497 | $208 |
| Stockton | 1 | $628 | $52 | $2,492 | $208 |
| Doniphan | 1 | $607 | $51 | $2,478 | $207 |
| Cedar Hill | 1 | $817 | $68 | $2,459 | $205 |
| Imperial | 1 | $876 | $73 | $2,453 | $204 |
| Smithville | 1 | $720 | $60 | $2,452 | $204 |
| Hermann | 1 | $597 | $50 | $2,445 | $204 |
| Ava | 1 | $609 | $51 | $2,442 | $204 |
| Pevely | 1 | $803 | $67 | $2,439 | $203 |
| House Springs | 1 | $829 | $69 | $2,438 | $203 |
| Savannah | 1 | $613 | $51 | $2,428 | $202 |
| Festus | 1 | $801 | $67 | $2,424 | $202 |
| Arnold | 1 | $896 | $75 | $2,422 | $202 |
| Seneca | 1 | $698 | $58 | $2,418 | $202 |
| St. Clair | 1 | $801 | $67 | $2,416 | $201 |
| West Plains | 1 | $621 | $52 | $2,415 | $201 |
| Nevada | 1 | $622 | $52 | $2,413 | $201 |
| Barnhart | 1 | $800 | $67 | $2,412 | $201 |
| Lexington | 1 | $638 | $53 | $2,409 | $201 |
| Richmond | 1 | $661 | $55 | $2,395 | $200 |
| High Ridge | 1 | $842 | $70 | $2,392 | $199 |
| Oak Grove | 1 | $783 | $65 | $2,381 | $198 |
| Trenton | 1 | $543 | $45 | $2,380 | $198 |
| Holden | 1 | $658 | $55 | $2,379 | $198 |
| Pacific | 1 | $781 | $65 | $2,379 | $198 |
| Forsyth | 1 | $693 | $58 | $2,378 | $198 |
| Pleasant Hill | 1 | $751 | $63 | $2,378 | $198 |
| Buffalo | 1 | $630 | $53 | $2,377 | $198 |
| Cameron | 1 | $601 | $50 | $2,372 | $198 |
| Kearney | 1 | $725 | $60 | $2,369 | $197 |
| Maryland Heights | 1 | $876 | $73 | $2,366 | $197 |
| Kirksville | 1 | $599 | $50 | $2,360 | $197 |
| Piedmont | 1 | $595 | $50 | $2,356 | $196 |
| Winfield | 1 | $694 | $58 | $2,355 | $196 |
| Wildwood | 2 | $828 | $69 | $2,354 | $196 |
| Potosi | 1 | $698 | $58 | $2,350 | $196 |
| Mansfield | 1 | $634 | $53 | $2,349 | $196 |
| Fenton | 1 | $859 | $72 | $2,345 | $195 |
| Butler | 1 | $614 | $51 | $2,344 | $195 |
| Eureka | 1 | $826 | $69 | $2,343 | $195 |
| Fair Grove | 1 | $749 | $62 | $2,343 | $195 |
| Chillicothe | 1 | $563 | $47 | $2,340 | $195 |
| Excelsior Springs | 1 | $714 | $60 | $2,333 | $194 |
| Belton | 1 | $779 | $65 | $2,332 | $194 |
| Macon | 1 | $540 | $45 | $2,332 | $194 |
| Gravois Mills | 1 | $586 | $49 | $2,331 | $194 |
| Chesterfield | 2 | $833 | $69 | $2,329 | $194 |
| Blue Springs | 2 | $793 | $66 | $2,325 | $194 |
| Odessa | 1 | $711 | $59 | $2,322 | $194 |
| Troy | 1 | $689 | $57 | $2,316 | $193 |
| Galena | 1 | $619 | $52 | $2,315 | $193 |
| Higginsville | 1 | $644 | $54 | $2,315 | $193 |
| Seymour | 1 | $671 | $56 | $2,315 | $193 |
| Anderson | 1 | $640 | $53 | $2,310 | $193 |
| Warsaw | 1 | $597 | $50 | $2,310 | $193 |
| Grain Valley | 1 | $792 | $66 | $2,309 | $192 |
| Lee’s Summit | 5 | $775 | $65 | $2,309 | $192 |
| Moscow Mills | 1 | $698 | $58 | $2,309 | $192 |
| St. Joseph | 6 | $690 | $58 | $2,309 | $192 |
| Brookfield | 1 | $559 | $47 | $2,307 | $192 |
| Liberty | 1 | $767 | $64 | $2,307 | $192 |
| Mountain Grove | 1 | $611 | $51 | $2,306 | $192 |
| Bolivar | 1 | $632 | $53 | $2,304 | $192 |
| Hollister | 1 | $670 | $56 | $2,304 | $192 |
| Rogersville | 1 | $720 | $60 | $2,301 | $192 |
| New Haven | 1 | $653 | $54 | $2,300 | $192 |
| Marthasville | 1 | $680 | $57 | $2,298 | $192 |
| Joplin | 2 | $705 | $59 | $2,297 | $191 |
| Moberly | 1 | $624 | $52 | $2,296 | $191 |
| Neosho | 1 | $677 | $56 | $2,295 | $191 |
| Platte City | 1 | $670 | $56 | $2,293 | $191 |
| Willow Springs | 1 | $584 | $49 | $2,289 | $191 |
| Maryville | 1 | $555 | $46 | $2,286 | $191 |
| Sullivan | 1 | $675 | $56 | $2,286 | $191 |
| Villa Ridge | 1 | $727 | $61 | $2,286 | $191 |
| Warrensburg | 1 | $708 | $59 | $2,286 | $191 |
| Clinton | 1 | $630 | $53 | $2,281 | $190 |
| Raymore | 1 | $758 | $63 | $2,281 | $190 |
| Reeds Spring | 1 | $693 | $58 | $2,280 | $190 |
| Carl Junction | 1 | $664 | $55 | $2,278 | $190 |
| Lamar | 1 | $588 | $49 | $2,278 | $190 |
| Knob Noster | 1 | $615 | $51 | $2,277 | $190 |
| Mountain View | 1 | $593 | $49 | $2,277 | $190 |
| Aurora | 1 | $653 | $54 | $2,274 | $190 |
| Warrenton | 1 | $682 | $57 | $2,274 | $190 |
| Washington | 1 | $712 | $59 | $2,274 | $190 |
| Camdenton | 1 | $597 | $50 | $2,269 | $189 |
| Bonne Terre | 1 | $668 | $56 | $2,266 | $189 |
| Versailles | 1 | $573 | $48 | $2,264 | $189 |
| Valley Park | 1 | $830 | $69 | $2,262 | $189 |
| Hannibal | 1 | $598 | $50 | $2,259 | $188 |
| Cassville | 1 | $642 | $54 | $2,257 | $188 |
| Monett | 1 | $633 | $53 | $2,256 | $188 |
| Marshfield | 1 | $666 | $56 | $2,254 | $188 |
| Willard | 1 | $745 | $62 | $2,254 | $188 |
| Centralia | 1 | $622 | $52 | $2,253 | $188 |
| Clever | 1 | $726 | $61 | $2,252 | $188 |
| Webb City | 1 | $687 | $57 | $2,249 | $187 |
| Ballwin | 2 | $826 | $69 | $2,248 | $187 |
| Owensville | 1 | $588 | $49 | $2,248 | $187 |
| Strafford | 1 | $662 | $55 | $2,247 | $187 |
| Wright City | 1 | $678 | $57 | $2,247 | $187 |
| Union | 1 | $724 | $60 | $2,243 | $187 |
| Dixon | 1 | $602 | $50 | $2,242 | $187 |
| Branson | 1 | $698 | $58 | $2,239 | $187 |
| Licking | 1 | $610 | $51 | $2,235 | $186 |
| Sparta | 1 | $690 | $58 | $2,233 | $186 |
| Brookline | 1 | $822 | $69 | $2,229 | $186 |
| Greenwood | 1 | $761 | $63 | $2,229 | $186 |
| Osage Beach | 1 | $604 | $50 | $2,229 | $186 |
| California | 1 | $582 | $49 | $2,223 | $185 |
| Mount Vernon | 1 | $623 | $52 | $2,220 | $185 |
| Peculiar | 1 | $724 | $60 | $2,220 | $185 |
| Springfield | 7 | $783 | $65 | $2,218 | $185 |
| Lebanon | 1 | $648 | $54 | $2,215 | $185 |
| Carthage | 1 | $624 | $52 | $2,214 | $185 |
| Foristell | 1 | $739 | $62 | $2,213 | $184 |
| Poplar Bluff | 1 | $693 | $58 | $2,212 | $184 |
| Bowling Green | 1 | $606 | $51 | $2,204 | $184 |
| Palmyra | 1 | $565 | $47 | $2,204 | $184 |
| Salem | 1 | $604 | $50 | $2,204 | $184 |
| Harrisonville | 1 | $684 | $57 | $2,196 | $183 |
| Billings | 1 | $679 | $57 | $2,194 | $183 |
| St. Robert | 1 | $632 | $53 | $2,194 | $183 |
| Republic | 1 | $743 | $62 | $2,188 | $182 |
| Fredericktown | 1 | $608 | $51 | $2,185 | $182 |
| Hallsville | 1 | $625 | $52 | $2,185 | $182 |
| Fort Leonard Wood | 1 | $660 | $55 | $2,182 | $182 |
| Fulton | 1 | $596 | $50 | $2,182 | $182 |
| Lake Ozark | 1 | $592 | $49 | $2,180 | $182 |
| Waynesville | 1 | $609 | $51 | $2,176 | $181 |
| Nixa | 1 | $739 | $62 | $2,167 | $181 |
| Mexico | 1 | $568 | $47 | $2,165 | $180 |
| Park Hills | 1 | $636 | $53 | $2,165 | $180 |
| Farmington | 1 | $664 | $55 | $2,160 | $180 |
| Sedalia | 1 | $658 | $55 | $2,160 | $180 |
| Lake Saint Louis | 1 | $766 | $64 | $2,157 | $180 |
| Cuba | 1 | $631 | $53 | $2,155 | $180 |
| Eldon | 1 | $580 | $48 | $2,153 | $179 |
| Bourbon | 1 | $604 | $50 | $2,150 | $179 |
| Marshall | 1 | $600 | $50 | $2,140 | $178 |
| Wentzville | 1 | $757 | $63 | $2,138 | $178 |
| St. Charles | 3 | $786 | $66 | $2,137 | $178 |
| Boonville | 1 | $570 | $48 | $2,136 | $178 |
| Columbia | 3 | $688 | $57 | $2,124 | $177 |
| Cape Girardeau | 2 | $738 | $62 | $2,122 | $177 |
| Ste. Genevieve | 1 | $611 | $51 | $2,120 | $177 |
| Perryville | 1 | $627 | $52 | $2,116 | $176 |
| Rolla | 1 | $644 | $54 | $2,115 | $176 |
| Ozark | 1 | $726 | $61 | $2,113 | $176 |
| St. James | 1 | $626 | $52 | $2,107 | $176 |
| O’Fallon | 2 | $783 | $65 | $2,096 | $175 |
| St. Peters | 1 | $777 | $65 | $2,094 | $175 |
| Holts Summit | 1 | $618 | $52 | $2,072 | $173 |
| Charleston | 1 | $683 | $57 | $2,068 | $172 |
| Scott City | 1 | $697 | $58 | $2,065 | $172 |
| Jackson | 1 | $679 | $57 | $2,045 | $170 |
| East Prairie | 1 | $619 | $52 | $2,035 | $170 |
| Kennett | 1 | $673 | $56 | $2,023 | $169 |
| Caruthersville | 1 | $646 | $54 | $2,021 | $168 |
| Chaffee | 1 | $668 | $56 | $2,020 | $168 |
| Ashland | 1 | $622 | $52 | $2,009 | $167 |
| Jefferson City | 2 | $616 | $51 | $1,983 | $165 |
| Malden | 1 | $657 | $55 | $1,982 | $165 |
| Sikeston | 1 | $664 | $55 | $1,952 | $163 |
| Dexter | 1 | $620 | $52 | $1,916 | $160 |
| Missouri average | 287 | $782 | $65 | $2,431 | $203 |
Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.
Compare Missouri with other states on our car insurance rates by state page.
St. Louis City is the most expensive county in our data, at about $273 a month for full coverage, followed by Jackson County ($224) and St. Louis County ($218). The least expensive are Stoddard County ($160), Cole County ($165) and Dunklin County ($167). We price 79 of Missouri’s 115 counties.
| County: | ZIP Codes in Our Data: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| St. Louis City | 16 | $1,137 | $95 | $3,270 | $273 |
| Jackson County | 40 | $920 | $77 | $2,685 | $224 |
| St. Louis County | 42 | $958 | $80 | $2,613 | $218 |
| Cedar County | 2 | $615 | $51 | $2,529 | $211 |
| Ripley County | 1 | $607 | $51 | $2,478 | $207 |
| Jefferson County | 11 | $824 | $69 | $2,457 | $205 |
| Ray County | 2 | $672 | $56 | $2,448 | $204 |
| Douglas County | 1 | $609 | $51 | $2,442 | $204 |
| Andrew County | 1 | $613 | $51 | $2,428 | $202 |
| Vernon County | 1 | $622 | $52 | $2,413 | $201 |
| Clay County | 12 | $775 | $65 | $2,390 | $199 |
| Grundy County | 1 | $543 | $45 | $2,380 | $198 |
| Dallas County | 1 | $630 | $53 | $2,377 | $198 |
| Clinton County | 1 | $601 | $50 | $2,372 | $198 |
| Platte County | 5 | $738 | $62 | $2,367 | $197 |
| Adair County | 1 | $599 | $50 | $2,360 | $197 |
| Newton County | 2 | $687 | $57 | $2,357 | $196 |
| Wayne County | 1 | $595 | $50 | $2,356 | $196 |
| Washington County | 1 | $698 | $58 | $2,350 | $196 |
| Lafayette County | 3 | $664 | $55 | $2,349 | $196 |
| Gasconade County | 2 | $592 | $49 | $2,347 | $196 |
| Bates County | 1 | $614 | $51 | $2,344 | $195 |
| Livingston County | 1 | $563 | $47 | $2,340 | $195 |
| Macon County | 1 | $540 | $45 | $2,332 | $194 |
| Howell County | 3 | $599 | $50 | $2,327 | $194 |
| Wright County | 2 | $623 | $52 | $2,327 | $194 |
| Lincoln County | 3 | $693 | $58 | $2,326 | $194 |
| Johnson County | 3 | $660 | $55 | $2,314 | $193 |
| Franklin County | 7 | $724 | $60 | $2,312 | $193 |
| Benton County | 1 | $597 | $50 | $2,310 | $193 |
| McDonald County | 1 | $640 | $53 | $2,310 | $193 |
| Buchanan County | 6 | $690 | $58 | $2,309 | $192 |
| Linn County | 1 | $559 | $47 | $2,307 | $192 |
| Taney County | 3 | $687 | $57 | $2,307 | $192 |
| Polk County | 1 | $632 | $53 | $2,304 | $192 |
| Stone County | 2 | $656 | $55 | $2,298 | $192 |
| Morgan County | 2 | $580 | $48 | $2,297 | $191 |
| Randolph County | 1 | $624 | $52 | $2,296 | $191 |
| Webster County | 3 | $686 | $57 | $2,290 | $191 |
| Nodaway County | 1 | $555 | $46 | $2,286 | $191 |
| Cass County | 5 | $739 | $62 | $2,281 | $190 |
| Henry County | 1 | $630 | $53 | $2,281 | $190 |
| Barton County | 1 | $588 | $49 | $2,278 | $190 |
| Warren County | 3 | $680 | $57 | $2,273 | $189 |
| Jasper County | 5 | $677 | $56 | $2,267 | $189 |
| Barry County | 2 | $638 | $53 | $2,256 | $188 |
| Lawrence County | 2 | $638 | $53 | $2,247 | $187 |
| Texas County | 1 | $610 | $51 | $2,235 | $186 |
| Greene County | 12 | $767 | $64 | $2,232 | $186 |
| Marion County | 2 | $581 | $48 | $2,232 | $186 |
| Camden County | 3 | $598 | $50 | $2,226 | $186 |
| Moniteau County | 1 | $582 | $49 | $2,223 | $185 |
| Laclede County | 1 | $648 | $54 | $2,215 | $185 |
| Butler County | 1 | $693 | $58 | $2,212 | $184 |
| Dent County | 1 | $604 | $50 | $2,204 | $184 |
| Pike County | 1 | $606 | $51 | $2,204 | $184 |
| Pulaski County | 4 | $626 | $52 | $2,198 | $183 |
| St. Francois County | 3 | $656 | $55 | $2,197 | $183 |
| Christian County | 5 | $712 | $59 | $2,192 | $183 |
| Madison County | 1 | $608 | $51 | $2,185 | $182 |
| Audrain County | 1 | $568 | $47 | $2,165 | $180 |
| Pettis County | 1 | $658 | $55 | $2,160 | $180 |
| Crawford County | 2 | $618 | $52 | $2,153 | $179 |
| Miller County | 1 | $580 | $48 | $2,153 | $179 |
| Saline County | 1 | $600 | $50 | $2,140 | $178 |
| Boone County | 6 | $656 | $55 | $2,137 | $178 |
| Cooper County | 1 | $570 | $48 | $2,136 | $178 |
| St. Charles County | 9 | $774 | $65 | $2,134 | $178 |
| Callaway County | 2 | $607 | $51 | $2,127 | $177 |
| Ste. Genevieve County | 1 | $611 | $51 | $2,120 | $177 |
| Perry County | 1 | $627 | $52 | $2,116 | $176 |
| Phelps County | 2 | $635 | $53 | $2,111 | $176 |
| Cape Girardeau County | 3 | $719 | $60 | $2,097 | $175 |
| Mississippi County | 2 | $651 | $54 | $2,051 | $171 |
| Pemiscot County | 1 | $646 | $54 | $2,021 | $168 |
| Scott County | 3 | $676 | $56 | $2,013 | $168 |
| Dunklin County | 2 | $665 | $55 | $2,002 | $167 |
| Cole County | 2 | $616 | $51 | $1,983 | $165 |
| Stoddard County | 1 | $620 | $52 | $1,916 | $160 |
| Missouri average | 287 | $782 | $65 | $2,431 | $203 |
Full coverage at 100/300/100 limits costs less on average than 50/100/50 statewide in our data: $2,431 a year compared with $2,502, with the same $500 deductibles. Across the five insurers, the change runs from $421 less a year (American Family) to $217 more (GEICO). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. American Family, Safeco and Shelter charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.
Required on every policy
25/50/25Optional coverage
Your choicePenalties for driving uninsured
4 pointsMissouri drivers must carry liability insurance and uninsured motorist coverage, according to the Missouri Department of Revenue. The minimum policy is:
Missouri doesn’t require personal injury protection or medical payments coverage, and underinsured motorist coverage is optional, according to the Department of Commerce and Insurance.
Missouri uses pure comparative fault: your damages are reduced by your share of the blame, according to the Department of Commerce and Insurance.
Driving uninsured adds four points to your record, and repeat violations bring a 90-day or one-year suspension with reinstatement fees of $20, $200 or $400, according to the Department of Revenue. After a mandatory-insurance suspension, you must keep proof of insurance on file for three years. You can show proof of insurance on your phone under RSMo 303.024.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Missouri law and the Missouri Department of Commerce and Insurance. We refresh these figures when new rate data is released.
The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.
In this analysis, an SUV is the least expensive vehicle type to insure and a hybrid the most expensive in all 115 counties. A hybrid costs about 28% more than an SUV on average.
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Adair | $1,033 | $856 | $1,016 | $911 | $1,106 |
| Andrew | $1,055 | $874 | $986 | $931 | $1,131 |
| Atchison | $1,102 | $909 | $1,023 | $965 | $1,186 |
| Audrain | $947 | $811 | $884 | $911 | $1,036 |
| Barry | $1,044 | $888 | $980 | $948 | $1,134 |
| Barton | $1,069 | $889 | $1,002 | $948 | $1,141 |
| Bates | $1,075 | $891 | $1,019 | $948 | $1,152 |
| Benton | $1,099 | $912 | $1,050 | $972 | $1,174 |
| Bollinger | $1,031 | $885 | $976 | $981 | $1,110 |
| Boone | $922 | $791 | $876 | $905 | $992 |
| Buchanan | $1,081 | $920 | $1,019 | $981 | $1,171 |
| Butler | $1,089 | $920 | $1,024 | $981 | $1,177 |
| Caldwell | $1,055 | $874 | $1,087 | $931 | $1,131 |
| Callaway | $949 | $813 | $892 | $918 | $1,032 |
| Camden | $1,081 | $926 | $1,011 | $1,021 | $1,177 |
| Cape Girardeau | $1,001 | $857 | $944 | $948 | $1,083 |
| Carroll | $1,054 | $873 | $1,023 | $928 | $1,130 |
| Carter | $1,143 | $954 | $1,179 | $1,016 | $1,218 |
| Cass | $1,018 | $879 | $965 | $986 | $1,093 |
| Cedar | $1,099 | $912 | $1,050 | $972 | $1,174 |
| Chariton | $1,038 | $860 | $985 | $915 | $1,113 |
| Christian | $1,083 | $935 | $1,030 | $1,016 | $1,157 |
| Clark | $1,019 | $849 | $1,016 | $905 | $1,086 |
| Clay | $1,029 | $882 | $974 | $1,021 | $1,109 |
| Clinton | $1,075 | $891 | $1,059 | $948 | $1,152 |
| Cole | $901 | $772 | $848 | $911 | $979 |
| Cooper | $1,032 | $862 | $960 | $918 | $1,104 |
| Crawford | $941 | $802 | $883 | $968 | $1,022 |
| Dade | $1,099 | $912 | $1,038 | $972 | $1,174 |
| Dallas | $1,099 | $912 | $1,031 | $972 | $1,174 |
| Daviess | $1,055 | $874 | $1,023 | $931 | $1,131 |
| Dekalb | $1,075 | $891 | $1,023 | $948 | $1,152 |
| Dent | $975 | $832 | $913 | $988 | $1,061 |
| Douglas | $1,099 | $912 | $1,038 | $972 | $1,174 |
| Dunklin | $1,024 | $880 | $967 | $981 | $1,101 |
| Franklin | $1,081 | $925 | $1,019 | $1,016 | $1,170 |
| Gasconade | $1,069 | $889 | $997 | $948 | $1,141 |
| Gentry | $1,102 | $909 | $1,023 | $965 | $1,186 |
| Greene | $1,053 | $910 | $1,007 | $981 | $1,119 |
| Grundy | $1,055 | $874 | $1,001 | $931 | $1,131 |
| Harrison | $1,106 | $940 | $1,023 | $995 | $1,221 |
| Henry | $973 | $837 | $910 | $948 | $1,059 |
| Hickory | $1,102 | $925 | $1,038 | $986 | $1,185 |
| Holt | $1,019 | $849 | $1,021 | $905 | $1,086 |
| Howard | $1,035 | $862 | $990 | $918 | $1,104 |
| Howell | $1,099 | $912 | $1,051 | $972 | $1,174 |
| Iron | $1,104 | $920 | $1,125 | $981 | $1,177 |
| Jackson | $1,028 | $887 | $979 | $1,028 | $1,099 |
| Jasper | $1,028 | $883 | $970 | $981 | $1,110 |
| Jefferson | $1,105 | $951 | $1,050 | $1,086 | $1,181 |
| Johnson | $939 | $805 | $883 | $958 | $1,020 |
| Knox | $1,055 | $874 | $1,067 | $931 | $1,131 |
| Laclede | $948 | $811 | $888 | $948 | $1,028 |
| Lafayette | $954 | $813 | $894 | $905 | $1,039 |
| Lawrence | $1,020 | $868 | $958 | $981 | $1,106 |
| Lewis | $1,038 | $860 | $995 | $915 | $1,113 |
| Lincoln | $1,089 | $920 | $1,026 | $981 | $1,177 |
| Linn | $1,033 | $856 | $1,017 | $911 | $1,106 |
| Livingston | $1,033 | $856 | $997 | $911 | $1,106 |
| Macon | $1,019 | $849 | $957 | $905 | $1,086 |
| Madison | $1,088 | $935 | $1,021 | $1,016 | $1,182 |
| Maries | $916 | $782 | $860 | $943 | $995 |
| Marion | $1,003 | $856 | $938 | $911 | $1,095 |
| Mcdonald | $1,069 | $889 | $1,038 | $948 | $1,141 |
| Mercer | $1,148 | $940 | $1,145 | $995 | $1,245 |
| Miller | $1,046 | $889 | $980 | $948 | $1,140 |
| Mississippi | $1,010 | $868 | $958 | $981 | $1,085 |
| Moniteau | $1,019 | $849 | $990 | $905 | $1,086 |
| Monroe | $1,035 | $862 | $1,068 | $918 | $1,104 |
| Montgomery | $1,019 | $849 | $987 | $905 | $1,086 |
| Morgan | $1,071 | $914 | $1,002 | $986 | $1,170 |
| New Madrid | $925 | $794 | $873 | $947 | $997 |
| Newton | $1,073 | $912 | $1,004 | $972 | $1,166 |
| Nodaway | $1,038 | $860 | $965 | $915 | $1,113 |
| Oregon | $1,099 | $912 | $1,151 | $972 | $1,174 |
| Osage | $1,035 | $862 | $1,014 | $918 | $1,104 |
| Ozark | $1,102 | $920 | $1,038 | $981 | $1,177 |
| Pemiscot | $951 | $816 | $899 | $971 | $1,023 |
| Perry | $1,011 | $867 | $954 | $975 | $1,094 |
| Pettis | $949 | $814 | $892 | $905 | $1,029 |
| Phelps | $914 | $783 | $860 | $905 | $989 |
| Pike | $1,035 | $862 | $971 | $918 | $1,104 |
| Platte | $1,077 | $923 | $1,018 | $986 | $1,157 |
| Polk | $1,102 | $925 | $1,038 | $986 | $1,185 |
| Pulaski | $964 | $818 | $906 | $926 | $1,047 |
| Putnam | $1,148 | $940 | $1,067 | $995 | $1,245 |
| Ralls | $1,019 | $849 | $1,015 | $905 | $1,086 |
| Randolph | $1,038 | $860 | $1,017 | $915 | $1,113 |
| Ray | $1,035 | $862 | $992 | $918 | $1,104 |
| Reynolds | $1,173 | $973 | $1,144 | $1,036 | $1,255 |
| Ripley | $1,154 | $962 | $1,157 | $1,024 | $1,232 |
| Saline | $903 | $770 | $840 | $905 | $991 |
| Schuyler | $1,054 | $873 | $1,016 | $928 | $1,130 |
| Scotland | $1,019 | $849 | $1,016 | $905 | $1,086 |
| Scott | $956 | $820 | $904 | $977 | $1,029 |
| Shannon | $1,117 | $928 | $1,166 | $988 | $1,194 |
| Shelby | $1,019 | $849 | $1,067 | $905 | $1,086 |
| St. Charles | $958 | $824 | $915 | $971 | $1,021 |
| St. Clair | $1,032 | $887 | $964 | $975 | $1,123 |
| St. Francois | $1,049 | $903 | $990 | $1,021 | $1,132 |
| St. Louis | $1,028 | $888 | $986 | $1,038 | $1,090 |
| St. Louis city | $1,153 | $996 | $1,105 | $1,167 | $1,226 |
| Ste. Genevieve | $1,046 | $901 | $988 | $981 | $1,130 |
| Stoddard | $954 | $821 | $897 | $926 | $1,032 |
| Stone | $1,101 | $928 | $1,038 | $988 | $1,188 |
| Sullivan | $1,148 | $940 | $1,067 | $995 | $1,245 |
| Taney | $1,102 | $943 | $1,038 | $1,052 | $1,192 |
| Texas | $975 | $832 | $913 | $948 | $1,061 |
| Vernon | $1,035 | $862 | $991 | $918 | $1,104 |
| Warren | $1,070 | $919 | $1,010 | $981 | $1,156 |
| Washington | $1,164 | $971 | $1,154 | $1,035 | $1,241 |
| Wayne | $1,109 | $952 | $1,045 | $1,044 | $1,199 |
| Webster | $1,107 | $945 | $1,040 | $1,018 | $1,201 |
| Worth | $1,102 | $909 | $1,023 | $965 | $1,186 |
| Wright | $975 | $832 | $913 | $948 | $1,061 |
The average cost of car insurance in Missouri is about $203 a month ($2,431 a year) for full coverage and $65 a month ($782 a year) for liability-only coverage at 25/50/10 limits. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.
Shelter has the lowest full-coverage average in our Missouri rate data, at about $157 a month, followed by Progressive at $176. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average, at about $44 a month. Four of the six recent published statewide Missouri rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, St. Louis City costs the most, at about $273 a month for full coverage, followed by Jackson County ($224) and St. Louis County ($218). ZIP codes with a St. Louis mailing address average about $242 a month and Kansas City $226. Stoddard County is the least expensive area we price, at about $160.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Safeco is new over the past nine months), their Missouri full-coverage average fell 19.3%, from about $3,025 to $2,440 a year. That’s higher than the Missouri average of $2,431 because it leaves out Safeco. American Family cut its Missouri average 30.5%, Progressive 27.5% and Shelter 8.1%, while GEICO raised its average 0.9%. Liability-only coverage at 25/50/10 limits fell 8.0%.
Missouri requires $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability and uninsured motorist coverage of $25,000 per person and $50,000 per crash. The property damage minimum rose from $10,000 on July 1, 2019.
No. Missouri drivers who cause a crash pay for the damage through their liability coverage, and under Missouri’s pure comparative fault rule, your damages are reduced by your share of the blame.
For our benchmark driver, full coverage in Missouri averages about $203 a month. Arkansas averages about $204, 1% above Missouri. Illinois averages about $201, 1% below Missouri. Iowa averages about $196, 3% below Missouri. Kansas averages about $222, 10% above Missouri. Kentucky averages about $229, 13% above Missouri. Nebraska averages about $224, 11% above Missouri. Oklahoma averages about $243, 20% above Missouri. Tennessee averages about $187, 8% below Missouri. Tennessee, Iowa and Illinois cost less. These averages use the same driver and coverage in every state, from rates as of Aug. 31, 2026.
