Best Auto Insurance in Missouri (2025)
Compare top-rated auto insurance companies in Missouri. Find affordable coverage that meets MO state requirements and save up to 40% on your premium.
$1,398
Avg. Annual Premium
25/50/25
Minimum Coverage
Kansas City
Largest City
6.2 million
Population
Missouri Auto Insurance Requirements
Missouri requires uninsured motorist coverage at the same levels as liability coverage.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Missouri
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Missouri can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Missouri use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Missouri Auto Insurance FAQs
What is the minimum auto insurance required in Missouri?
Missouri requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). Missouri requires uninsured motorist coverage at the same levels as liability coverage.
How much does car insurance cost in Missouri?
The average annual car insurance premium in Missouri is $1,398. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Missouri?
Key factors affecting Missouri auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Kansas City typically pay more than those in rural areas.
How can I find cheap car insurance in Missouri?
To find affordable car insurance in Missouri: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Missouri Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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