From Kansas City to St. Louis and everywhere in between, you need car insurance if you drive a car in Missouri. At least if you want to drive legally.
If you are a resident of the “Show Me” state, have you ever wondered how much car insurance is in Missouri?
There is some good news here. Because generally speaking, costs for car insurance in the Show Me State is lower than the national average.
There are a variety of factors that influence the cost of auto insurance in Missouri (as is the case in every state). One big factor is the zip code you live in, but there are a number of others.
Below, get an overview of the cost of car insurance in Missouri. We’ll look at the average costs for a policy and the main factors determining how much you actually end up paying.
How Much Is Car Insurance In Missouri?
The answer to that depends. That is because of all the factors that affect how much car insurance premiums are in the state of Missouri.
But to give you an idea, the average cost of car insurance premiums in Missouri in 2022 is slightly over $1,300 per year.
This makes Missouri’s car insurance coverage lower than the national average, which is a little under $1,500 annually.
So let’s go over the main factors that affect how much you might pay in the state of Missouri for car insurance.
Type of Coverage
The amount of car insurance coverage you will have is a factor that affects your car insurance rates.
If you plan only to have minimum coverage, Missouri’s average car insurance rate ranges between $432 to $684 per year.
On the other hand, the average cost of full coverage car insurance premiums in Missouri ranges from around $1,300 to $1,860.
Insurance Provider
The car insurance provider is another factor that affects how much car insurance premiums you will pay in Missouri.
The car insurance company that offers the cheapest rates for minimum coverage is USAA. Their premiums per year are only $190 for minimum coverage.
On the other hand, Geico is the most expensive for minimum coverage. Their car insurance premiums are around $900 per year for minimum coverage.
As for the cheapest full coverage car insurance, USAA is a little under $500 per year. And, the most expensive is Kemper, at close to $3,700.
Age
Another main factor that affects the car insurance rates in Missouri is your age. Missouri’s cheapest car insurance rates are premiums for drivers in their 50s.
If you are in your fabulous 50s, your yearly premiums are only about $1,100 on average.
Like most states, the younger the driver, the more expensive the premiums.
For example, the car insurance premiums for 17-year-olds are $5,300 per year, while it is thousands of dollars cheaper for 30-year-olds, who pay around $1,300 on average.
Driving Record
The last major factor worth mentioning is driving history.
The average annual premium for drivers who have been involved in an accident ranges from $1,850 to $2,500.
If a driver is arrested and charged with a DUI, their vehicle insurance costs will climb to $1,825 per year.
And there you have it!