Missouri Car Insurance
Missouri's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
25/50/25
+ UM
Avg. full coverage
$1,900/yr
Liability system
at-fault
Estimate your Missouri premium
Estimated annual premium
$1,380
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Missouri car insurance requirements
Missouri requires 25/50/25 plus uninsured motorist coverage.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Missouri car insurance FAQ
What is the minimum car insurance required in Missouri?
Missouri requires at least 25/50/25 in liability coverage + UM — that's $25k bodily injury per person, $50k per accident, and $25k property damage. Missouri requires 25/50/25 plus uninsured motorist coverage.
How much does car insurance cost in Missouri?
Full-coverage car insurance in Missouri averages roughly $1,900 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Missouri a no-fault state?
Missouri is an at-fault (tort) state. The driver who causes a crash is responsible for the resulting damages.
Why is car insurance priced the way it is in Missouri?
Missouri averages about $1,900/yr — roughly mid-pack. Your own rate swings far more on age, record, credit (where allowed), vehicle, and ZIP than on the state average, so always compare quotes.
What's the cheapest way to insure a car in Missouri?
Carry at least the 25/50/25 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.