Car Insurance Calculators Missouri

Missouri Car Insurance Cost Calculator

Estimate your Missouri car insurance cost. Average annual premium: $1,155. Calculate based on age, vehicle, coverage, and driving record.

By StateCalc Team

Updated Jul 31, 2026

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State Average Premium

$500$10,000

Pre-filled: NAIC Auto Insurance Database Report

Driver Age

1685

Vehicle Value

$1,000$200,000

Coverage Level

Additional Details

Accidents (Last 5 Years)

Credit Score Range

Annual Miles Driven

100050000

Deductible

$100$5,000

Estimated Annual Premium

$1,097.00

Estimated • Based on your inputs

Estimated Monthly Cost

$91.00

Detailed Breakdown

State Average$1,155.00

50%

Savings vs Average$58.00

Liability Coverage$562.00

24%

Collision Coverage$353.00

15%

Comprehensive Coverage$182.00

Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.

Missouri Quick Facts

4.7% Income Tax Rate

0.89% Property Tax Rate

$71,589 Median Income

88.6 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

This calculator estimates auto insurance premiums in Missouri based on the statewide average of $1,155/year, adjusted for driver age, vehicle value, coverage level, driving record, credit score (where permitted by state law), annual mileage, and deductible. Actual rates vary by insurer, ZIP code, and individual profile; this tool does not model your exact ZIP code or Missouri's specific statutory minimum-liability limits.

Key State Information

Missouri average car insurance: $1,155/year. Missouri's rates are near the national average. Credit score is a factor most insurers use in pricing in this state.

Standard financial formulas Pre-filled with documented data Estimates only — not financial advice

Data Source

NAIC 2022/2023 Auto Insurance Database Report (Average Expenditure, 2023)

View Original Source | Source record reviewed Jul 31, 2026 | Review target: annually

Example Calculation

What does car insurance cost in Missouri?

A 35-year-old driver with a clean record and good credit insuring a 2023 Toyota Camry. Coverage: 100/300 bodily injury, 100K property damage, $500 deductible collision, $250 deductible comprehensive, plus uninsured motorist — a popular package for financed vehicles. Missouri's NAIC-reported statewide average expenditure (across ALL drivers, including minimum-liability-only policies, not just full coverage) is $1,155/year — a useful benchmark, but full coverage like this profile typically costs more than that blended average, since it includes higher-cost comprehensive and collision protection that liability-only drivers skip entirely.

Result: Statewide average expenditure (all coverage levels combined): $1,155 (Missouri) — about $96/month. This NAIC figure blends minimum-liability and full-coverage policyholders together, so a full-coverage quote for a specific driver and vehicle, like the profile above, commonly runs higher than this average. Rates vary roughly 130% (about 2.3x) between the cheapest and most expensive states (NAIC 2023: Florida $1,864.63 highest, North Dakota $807.77 lowest); Florida, Louisiana, and New York consistently rank among the most expensive, while Maine, Idaho, and Vermont are among the cheapest. Getting quotes from 3-5 insurers typically reveals a 30-40% price difference for identical coverage.

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StateCalc Team

Editorial Team

The StateCalc team builds free financial calculators using data from official government sources including the IRS, U.S. Census Bureau, BLS, and state revenue departments. All formulas are validated by an automated test suite and cross-referenced against published data.

Our editorial standards

Frequently Asked Questions

How much is car insurance in Missouri?

The average annual car insurance premium in Missouri is $1,155, or about $96/month. Rates vary significantly based on your age, driving record, vehicle, coverage level, and ZIP code.

What are Missouri's minimum car insurance requirements?

Missouri requires drivers to carry minimum liability insurance, but the exact per-person / per-accident / property-damage limits vary by state and this figure is not independently verified for Missouri on this page -- check your state DMV or insurance department for the current minimum before relying on a specific number.

How can I lower my car insurance in Missouri?

Shop around and compare quotes from at least 3-5 insurers. Increase your deductible, maintain a clean driving record, bundle with home insurance, ask about discounts (good student, safe driver, low mileage), and improve your credit score. Some Missouri insurers offer usage-based insurance programs.