Car Insurance in Missouri
Missouri requires drivers to carry at least 25/50/25 in liability coverage, plus uninsured motorist coverage of 25/50. As an at-fault state, the driver who causes a crash is responsible for the other party’s damages.
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Missouri at a glance
Data as of 2023Average cost
$1,155/yr
≈ $96/mo
vs U.S. average
-10%
below the national avg of $1,282/yr
Required minimums
25/50/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Missouri requires drivers to carry at least 25/50/25 in liability coverage, plus uninsured motorist coverage of 25/50. As an at-fault state, the driver who causes a crash is responsible for the other party’s damages.
The uninsured motorist requirement protects you if an at-fault driver has no insurance. Comparing quotes is the best way to meet Missouri’s requirements affordably.
Missouri minimum car insurance requirements
Missouri requires $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability, plus uninsured motorist coverage at 25/50. Lenders typically require collision and comprehensive on financed or leased vehicles.
Uninsured motorist coverage of 25/50 is also required.
How much does car insurance cost in Missouri?
The average driver in Missouri pays $1,155 per year for auto insurance — that's 10% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Missouri vs the national average
10% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Missouri premiums have changed since 2019
Auto insurance costs in Missouri have risen 24% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Missouri vs national average
Missouri is up 24% from $934 in 2019 to $1,155 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Missouri policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Missouri
Driving uninsured in Missouri can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Missouri
Rates for the same driver can vary widely between insurers in Missouri, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Missouri car insurance FAQs
Common questions about auto insurance in Missouri
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