$1,000–$1,249 tier

What car insurance costs in Missouri

The 2023 Missouri bill against the U.S. average, the coverage state law requires, and the protections you have when credit affects your price.

By Guardbrook Editorial Team Updated October 26, 2026 6 min read

At a glance

Average yearly spend, 2023: $1,155
Change from 2022: +15%
Minimum liability limits: 25/50/25
Uninsured drivers, 2023: 20.7%

Map of the United States with Missouri highlighted

Bottom line

Missouri drivers spent an average of $1,155 per insured car in 2023, about 10% below the U.S. average, and full coverage averaged $1,323. Every policy needs 25/50/25 liability and must include uninsured motorist coverage, which matters in a state where about one driver in five was uninsured in 2023. Insurers may weigh credit, but Missouri law gives you specific rights when it counts against you.

The Missouri bill, line by line

Guardbrook

Average car insurance bill, 2023

Missouri

Liability$614

Collision$400

Comprehensive$308

Full coverage$1,323

Average spend per car$1,155

Compared with the U.S.−10%

Uninsured drivers20.7%

Average yearly premiums per insured car (NAIC); uninsured share: Insurance Research Council estimate. Averages, not a quote. Where these numbers come from

Price tier on the map

$1,000 to $1,249 a year

Minimum liability limits: 25/50/25; Uninsured motorist coverage must be included in every liability policy (RSMo 379.203)
Credit-based insurance scores: Allowed, not as the only factor; RSMo 375.918: notice of adverse action, written reasons on request, re-underwriting after corrections
Regulator: Missouri Department of Commerce and Insurance

Missouri's average bill and the U.S. figure

The National Association of Insurance Commissioners (NAIC) reports what insurers collected per insured car, state by state. In 2023, the latest year with state figures, the Missouri average expenditure was $1,155. That was 15% more than the $1,004 recorded for 2022, slightly faster growth than the national average.

Average yearly premium per insured car, 2023 (NAIC)
Coverage	Missouri	United States
Liability	$614	$737
Collision	$400	$464
Comprehensive	$308	$238
All three (combined premium)	$1,323	$1,438
Average expenditure	$1,155	$1,282

Liability and collision both came in below the national averages, by about 17% and 14%. Comprehensive, which pays for theft and damage that isn't a crash, ran about 29% higher at $308. The full-coverage premium ended up 8% under the U.S. figure. For your own car, the ZIP code, vehicle and driving record will matter far more than the state average; see how location sets a price.

Coverage required under Missouri law

The Missouri Department of Commerce and Insurance says you must insure your car for injuries you cause to others, with at least $25,000 per person, $50,000 per accident and $25,000 for property damage. The Department of Revenue checks that liability coverage stays in force, and a lapse can lead to a suspended registration and possibly a suspended driver's license.

Uninsured motorist coverage must be included in every Missouri auto liability policy, at no less than the state's bodily injury minimums.
Collision and comprehensive are your choice under state law, but a lender or lessor will normally require them.
A gap in coverage can cost you later: the department notes that Missouri law doesn't stop an insurer from placing a driver in a high-risk policy after a 30-day lapse.

With about 20.7% of Missouri drivers uninsured in 2023, by the Insurance Research Council's estimate, the required uninsured motorist coverage does real work. Raising it above the minimum is one of the choices our page on limits and deductibles helps you weigh.

Who sets Missouri prices, and the credit rules

The Department of Commerce and Insurance does not set insurance rates. Each insurer's rates are based on the claims it pays, its operating expenses and its profit, so prices for the same driver can vary from company to company.

Credit can play a part, within limits set by section 375.918 of the Missouri statutes. An insurer must tell you at application that it may gather credit information. It can't take an adverse action on credit alone, without another factor unrelated to credit. If credit hurt your price, it must say so and tell you how to get a free credit report and dispute errors. You can ask for a written statement of reasons within 30 days and, after a correction, ask to be re-underwritten. On a renewal, credit can't be the basis for adverse action until the policy's third anniversary. More on credit-based insurance scores.

If you can't find coverage

Drivers who have trouble getting insurance from companies in the regular market may obtain coverage from the Missouri Automobile Insurance Plan. Ask a licensed agent how to apply and what the plan would charge next to any regular offer you can still get. Our guide to assigned risk plans walks through the process.

How to bring a Missouri premium down

Shop with the same limits and deductibles. Missouri's regulator doesn't set rates, so the spread between companies can be wide.
Check complaint records before you switch. The department's Complaint Index lists complaints against auto insurers doing business in Missouri.
Ask about a multi-policy discount. Our page on bundling home and auto explains when it pays off.
Call the department if something seems wrong. The consumer hotline is 800-726-7390, and complaints can also be filed online.

Questions drivers ask

What are Missouri's minimum car insurance requirements?

Liability of $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage, plus uninsured motorist coverage, which every Missouri liability policy must include.

Is car insurance cheaper in Missouri than the national average?

On average, yes. NAIC data for 2023 put Missouri's average expenditure at $1,155 per insured car against $1,282 nationally, and full coverage at $1,323 against $1,438.

Can a Missouri insurer raise my rate because of my credit?

Credit can be a factor, but not the only one in an adverse decision. You must be told when credit hurt you, and you can ask for a written explanation and re-underwriting after a correction. See credit-based insurance scores.

What happens if my Missouri coverage lapses?

The Department of Revenue tracks coverage, and a lapse can lead to a suspended registration and possibly a suspended license. An insurer may also place you in a high-risk policy after a 30-day lapse.

Where the figures come from

Facts on this page were checked against these sources on October 26, 2026. NAIC averages are for 2023, the latest year the NAIC has published by state. The credit rules summarized here are those in section 375.918 for contracts entered into on or after July 1, 2003.