Best Auto Insurance Rates in Missouri

On average, your neighbors pay $62 a month.

See Your Rates

Compare Auto Insurance in Missouri

Missouri is the “Show Me State”. Here at QuoteWizard, we've compiled useful insurance information from industry and government sources to show you how to save money on car insurance in Missouri.

This page will show you which types of coverage are legally required in Missouri, inform you about important insurance laws, and provide you with both information about the cost of driving, and some insights about insurance risk in Missouri, all to help protect you and your family.

Average Missouri Car Insurance Rates

How much is car insurance in Missouri? Drivers here are being rewarded for their safe driving habits. The average cost of car insurance here is much cheaper than what many Americans pay. The average cost of auto insurance in Missouri is $745.04 per year. The national annual average cost of auto coverage is $889.01.

Prices may vary depending on your driving history and the number of claims filed in your zip code.

Missouri (MO) Average Annual Car Insurance Rates
Coverage Rates
Liability $415.88
Collision $275.28
Comprehensive $181.27
Total Cost Per Year $745.04
Price Per Month $62.83
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Missouri rates from 2011 to 2015, the most recent year the data is available. According to the III, Missouri car insurance rates increased from $674 in 2011 to $745 in 2015, a jump of $70 dollars, or 10.44 percent.

Missouri average car insurance rates

Shopping around and comparing auto insurance quotes is important, but who has the time and energy for it? Well, if you use QuoteWizard, you won’t have to worry about either of those things.

That’s because we'll will connect you to multiple companies that serve Missouri drivers so you can compare car insurance rates and get coverage that fits your needs.

Last year, 61,574 people used QuoteWizard to compare quotes from top companies and find the cheapest car insurance rates in Missouri.

Best Car Insurance Companies in Missouri

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Missouri. Out of the 61,574 Missouri drivers that used QuoteWizard to request insurance quotes last year, 9,461 had no car insurance.

Top 10 Vehicles

These are the most common vehicles owned by Missouri drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Ford Taurus
  4. Ford Ranger
  5. Chevrolet Blazer
  6. Chevrolet Cavalier
  7. Chevrolet Impala
  8. Ford Escape
  9. Explorer
  10. Ford Ranger
  11. Dodge RAM
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Missouri State Auto Insurance Laws

Minimum Car Insurance Requirements in Missouri

Think you are ready to hop behind the wheel and hit the Missouri streets? Make sure that if you have a vehicle registered in the state, that it retains the legally required levels of insurance. In the state of Missouri, those levels are referred to as the 25/50/10 rule. This means you must have the following elements of a policy purchased for your car:

  • $25,000 of protection for bodily injury or death of an individual in any single accident
  • $50,000 of protection for injury or death of all individuals in any single accident
  • $10,000 of protection for injury or destruction of property of others in any single accident

Make sure that whatever policy you buy contains at least these elements and you will be safe in the eyes of the law, if not on the road.

Recommended Coverage

Missouri is considered a high-risk state due to having the 10th highest rate of car-theft in the country. Auto theft can impact insurance rates for all drivers.  Comprehensive coverage protects you if you’re a victim of car theft.

Minimum liability covers damages to the other driver after a crash, but it doesn’t do anything for your damages. Look into full coverage to protect yourself further. Also, it’s too easy for a serious accident to cost more than minimum liability pays. In order to avoid this, we recommend getting:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Car Insurance

You wouldn’t leave your house without your driver's license, and you absolutely shouldn’t leave without your proof of insurance either. Missouri law enforcement officers have the right to request proof of insurance, and if they do you must provide it. This typically comes if the form of a card issued by your provider, and it must include the following information:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, and/or model of the insured vehicles, or the name of the driver

Driver Point System

Missouri uses a unique driver point system. Different infractions carry different weight, and points accumulate as you commit those infractions. If a driver accumulates 8 or more points in 18 months, driving privileges will be suspended for 30 days for a first offense.

More serious infractions and point totals can result in a driver's license being revoked for 1 year, and require the driver to re-take the driver's test. Below are the point infractions that will result in a revoked license.

  • 12 or more points in 12 months
  • 18 or more points in 24 months
  • 24 or more points in 36 months

After having your license revoked or suspended, all drivers start their reinstated records with 4 points. It takes one full year to begin to remove points, and they are removed as follows:

  • 1 year - total points cut by one-third
  • 2 years - remaining points cut by one-half
  • 3 years - Points reset to zero


If you are found operating a vehicle in Missouri without proof of insurance, law enforcement will issue you a ticket for “failure to provide proof of insurance”. After that there three potential steps that may be taken against the driver.

First, four points will be assigned to his or her record. Second, the court will alert the Vehicle Bureau to ensure that the driver will maintain insurance for 3 years. Finally, a suspension of the license will be placed. In order to lift a suspension proof of insurance must be shown and a fee must be paid. It is $20 for your first suspension, $200 for a second suspension, and $400 for any subsequent suspension that occurs.

Missouri drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

SR-22 Requirements

Missouri drivers who have large numbers of points on their records, have been issued DUIs, or caught driving without insurance must file an SR-22. This is a form from your insurance company that shows your vehicle has the state required liability insurance.

In most cases, an SR-22 must be carried on your record for two years, but for drivers who were convicted of false insurance coverage are required to carry an SR-22 for three years.

State of Missouri Traffic Safety Laws

Distracted Driver Laws

In order to help prevent accidents caused by drivers making calls or attempting to text on their phone, Missouri has implemented a statewide ban on texting for any novice drivers and/or drivers under the age of 18.

Implied Consent Law

Missouri’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 1-year driver's license revocation
  • Second Offense: 1-year driver's license revocation. Mandatory installation of ignition-interlock device
  • Third Offense: 1-year driver's license revocation. Mandatory installation of ignition-interlock device


If you drive or operate a motor vehicle in the Missouri with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

Senior Drivers

Every Missouri driver is required by law to renew their license every 6 years. For any driver over the age of 70 the renewal window is cut in half, with the renewal period being every 3 years.

Car Insurance Risk in Missouri

Uninsured Motorists

In 2012 it was estimated that 13.5% of all drivers on Missouri roads had no car insurance. This number is well above the national average of 12.6% and ranks Missouri 18th in the nation for uninsured motorists.

Vehicle Thefts in Missouri

Missouri experienced 16,357 vehicle thefts in 2014, almost identical to 2013 which saw 16,44 thefts. Missouri sits squarely at 269.8 thefts per 100,000 cars. This is above the national average, which is 216.2 thefts per 100,000 cars.

Top 10 Most Stolen Vehicles in Missouri

Is your car a target for theft? Check out the list below for the 10 most stolen cars in Missouri.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2006 Ford Pick-Up (Full Size)
  2. 1998 Chevrolet Pick-Up (Small Size)
  3. 2004 Chevrolet Pick-Up (Full Size)
  4. 2002 Dodge Caravan
  5. 1999 Dodge Pick-Up (Full Size)
  6. 2001 Jeep Cherokee/Grand Cherokee
  7. 2004 Chevrolet Impala
  8. 1993 GMC Pick-Up (Full Size)
  9. 1997 Honda Accord
  10. 1999 Ford Taurus

2014 Missouri Auto Insurance Market Share

Source: Missouri Department of Insurance
Rank Market Share Company
1 12.29% American Family
2 5.3% Shelter Mutual
3 4.9% Farmers
4 4.87% Automobile Club
5 4.64% Safeco Insurance
6 3.97% Geico
7 3.26% Progressive Casualty Insurance
8 2.39% Progressive Advanced
9 2.11% Farm Bureau

Missouri Department of Insurance

Chlora Lindley-Myers
(573) 751-4126
Mailing Address:
Truman State Office Building
Room 530
P.O. Box 690
Jefferson City, MO 65102

Consumer Services

Monday - Friday
8:00 am - 5:00 pm (EST)
Consumer Hotline:

File an Insurance Complaint

Online Consumer Complaint Form

Sources: LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.