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Missouri may seem like an ordinary midwestern state, but it actually has a lot to offer. You’ll find cities, rural areas, great food, and a lower cost of living in Missouri than in many other areas. In fact, it is roughly 30% below the national average. The even better news is that means car insurance in Missouri is also quite inexpensive.

Still, there are always ways to save even more money. Cheap Insurance can help you research car insurance providers. If you’re looking for cheap car insurance in Missouri, get a free quote today.

Quick Missouri Car Insurance Facts

  • Missouri has a minimum insurance coverage requirement known as the 25/50/25 rule.
  • The average cost of minimum liability auto insurance in Missouri is $468 per year.
  • Full car insurance coverage in the state costs an average of $1,661 per year. 
  • Approximately 16.4% of drivers in Missouri are uninsured.

Minimum Missouri Car Insurance Coverage

Information about car insurance coverage requirements in Missouri can be found on the state’s Department of Revenue website.

Missouri requires minimum insurance for bodily injury and property damage liability. Drivers are required to carry at least the following auto insurance coverages:

Property damage: $25,000 coverage for a single accident

Bodily injury/death: $25,000 per person, $50,000 per incident

Getting Cheap Car Insurance In Missouri

If you’re looking for cheap car insurance in Missouri, here are some tips that can help:

  1. Do your research. You’ll need to research car insurance providers, as rates can vary widely. Cheap Insurance can help you get quotes from multiple companies with minimal hassle.
  2. Look for a group rate. You may be able to get auto insurance through an employer, a professional group, an alumni group, or another association. Going this route can save you money.
  3. Be proactive. Ask your car insurance provider about available discounts. Chances are, you may qualify for one or more.

Missouri Car Insurance Discounts

Discounts are a great way to save money on car insurance coverage. Here are some discounts available in Missouri. Do you qualify for any of these?

  • Good Driver: Drivers with no accidents or tickets may be able to save up to 30%.
  • Good Student: High school or college students with good grades can save up to 25%.
  • Multiple Lines: Having multiple types of insurance can save you as much as 20%.
  • Safety Features: Drivers of vehicles with safety features such as airbags can save as much as 40%.


What is the average car insurance cost in Missouri?

The average cost for full car insurance coverage in Missouri is $1,661 per year.

How much is car insurance per month in Missouri?

The average cost for full car insurance coverage in Missouri is approximately $138 per month.

What is the penalty for driving without insurance in Missouri?

Your driver’s license, registration, and license plates will be suspended for a first offense until you obtain insurance. You will also receive four points on your driving record.

What is driving like in Missouri?

Once known as having some of the worst roads in the country, Missouri is making strides in this area. Drivers are in the middle—not the worst, but also not the best. The suburbs tend to have more accidents than the cities. At 16.4%, the rate of uninsured motorists is higher than average.

How can I save money on my car insurance policy in Missouri?

 You can get cheap car insurance in Missouri by following these tips:

  • Ask your car insurance provider about discounts for good driving and car safety features. 
  • Choose the right vehicle. Small trucks and minivans are the cheapest to insure, with sports cars being the priciest. 
  • Think about location. Where you live can affect premiums, with auto insurance highest in urban areas.

Other Types of Coverage

The minimum requirements are often not enough. If you live in Missouri, consider these optional car insurance coverages:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM)

This coverage protects you if an uninsured or underinsured motorist causes an accident and you suffer damages.

Medical Payments Coverage

Also known as “med pay,” this insurance will pay for your medical costs up to the policy limits. This coverage pays for medical bills, regardless of who is at fault.

Physical Damage Coverage

Comprehensive insurance covers physical damage caused by weather, theft, animals, and other non-collision damages. Collision coverage pays for physical damage that occurs when you hit an object or vehicle.

Additional kinds of coverage

Endorsements and Riders

  • Towing and road service: If your vehicle ever breaks down, this coverage will help you get back on the road. It may include flat tires, gas, and towing.
  • Rental car reimbursement: If an accident renders your vehicle inoperable, this coverage reimburses you for a rental car.
  • Gap insurance: Gap insurance helps with the issue of depreciation. In the event of an accident, it covers the difference between what you owe on an auto loan and the actual value of your car, which may be much less.

Cities We Cover In Missouri

Get cheap car insurance in Missouri. Cheap Insurance covers these cities:

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