Ranked #15 of 51 by Cost

2026 Missouri Car Insurance Calculator

Estimate your monthly premium based on The Show-Me State averages

Missouri state flag — 2026 car insurance rates

Rate Calculator

$244

per month

$2,928

per year

Updated July 1, 2026

Local insurance tip

Missouri does not require Uninsured Motorist coverage, but the state has a persistently high uninsured driver rate estimated above 16%. Adding UM at modest cost is one of the highest-value optional coverages available to Missouri drivers, particularly in the St. Louis and Kansas City metros.

Cost Breakdown

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
MO minimum	$115	Legal bare minimum (liability only)
Standard liability	$183	High Liability, no physical damage
Full coverage	$244	Comprehensive ($500 ded.)
Premium protection	$332	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$720
20-24	High	$403
25-54	Standard	$244
55-69	Low	$232
70+	Moderate	$305

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$244
Speeding Ticket	Moderate	$298
At-Fault Accident	High	$361
DUI / DWI	Very high	$695

Missouri Snapshot · July 2026

Missouri Car Insurance Rates by County July 2026

$244/mo

State avg (-0% US AVG)

#15

National Rank

68%

County Spread

Rate by Neighboring States (9)

Average Monthly Insurance Rate by State
Rank	State	Monthly	Population
1	Missouri	$244	5,966,427
2	Kentucky	$238-2%	4,304,801
3	Oklahoma	$233-5%	3,725,119
4	Illinois	$222-9%	12,803,154
5	Arkansas	$219-10%	2,907,346
6	Kansas	$210-14%	2,830,513
7	Tennessee	$199-18%	6,326,762
8	Iowa	$182-25%	3,033,961
9	Nebraska	$171-30%	1,822,464

State Insight

Missouri sits in the mid-to-high tier among its neighbors. Illinois is the most expensive neighbor, its Cook County costs pulling it above Missouri. Kentucky is the next most expensive. Iowa and Nebraska are the most affordable neighbors by a clear margin, both well below Missouri's litigation-driven average.

Rate by Cities (Top 25)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	St. Louis	$298+22%	927,396
2	Florissant	$297+22%	108,973
3	Kansas City	$269+10%	543,912
4	Chesterfield	$256+5%	59,223
5	Arnold	$254+4%	35,439
6	Independence	$248+2%	123,373
7	Ballwin	$241-1%	92,608
8	Fenton	$239-2%	44,124
9	Blue Springs	$236-3%	56,014
10	Lees Summit	$232-5%	96,122
11	Liberty	$230-6%	36,280
12	Springfield	$227-7%	219,752
13	Saint Joseph	$227-7%	87,116
14	Poplar Bluff	$226-7%	34,665
15	Joplin	$224-8%	72,274
16	Saint Peters	$224-8%	70,828
17	Saint Charles	$223-9%	134,684
18	Nixa	$223-9%	29,818
19	O Fallon	$219-10%	89,535
20	Wentzville	$215-12%	35,750
21	Cape Girardeau	$214-12%	44,994
22	Columbia	$210-14%	139,271
23	Sedalia	$201-18%	34,267
24	Rolla	$201-18%	32,383
25	Jefferson City	$200-18%	68,677

Compared to MO avg ($244)

City Insight

St. Louis leads Missouri in premiums. High vehicle theft rates in the metro area, significant uninsured driver exposure and an active litigation environment in St. Louis City (an independent city separate from St. Louis County) combine to push rates well above the state average.

Rate by Counties (115)

Average Monthly Insurance Rate by County
Rank	County	Monthly	Population
1	St. Louis City	$340+39%	309,233
2	St. Louis	$272+11%	1,028,341
3	Jackson	$265+9%	677,001
4	Jefferson	$259+6%	193,796
5	Reynolds	$248+2%	6,376
6	Oregon	$248+2%	10,352
7	Washington	$246+1%	23,425
8	Carter	$245	6,905
9	Shannon	$245	7,294
10	Worth	$243	2,264
11	Franklin	$241-1%	110,691
12	Harrison	$241-1%	9,209
13	Iron	$240-2%	11,167
14	Gentry	$240-2%	7,039
15	Wayne	$239-2%	14,670
16	Ripley	$239-2%	14,163
17	Ozark	$239-2%	10,889
18	Holt	$238-2%	4,867
19	Mercer	$238-2%	3,408
20	Schuyler	$237-3%	3,867
21	Putnam	$237-3%	4,850
22	Grundy	$237-3%	10,056
23	Daviess	$236-3%	8,238
24	Shelby	$235-4%	6,971
25	Knox	$235-4%	4,123
26	Madison	$235-4%	12,943
27	DeKalb	$235-4%	7,932
28	Scotland	$234-4%	4,641
29	Clay	$234-4%	227,875
30	Caldwell	$234-4%	9,650
31	Camden	$234-4%	44,006
32	Gasconade	$233-5%	16,690
33	Pike	$233-5%	18,362
34	Warren	$233-5%	31,596
35	Hickory	$233-5%	9,564
36	Clark	$232-5%	6,542
37	Sullivan	$232-5%	6,959
38	Morgan	$232-5%	21,500
39	Lincoln	$231-5%	50,385
40	Platte	$231-5%	88,061
41	Atchison	$231-5%	5,622
42	Miller	$231-5%	22,530
43	Dallas	$231-5%	17,201
44	Polk	$231-5%	31,742
45	Douglas	$231-5%	10,871
46	Stone	$230-6%	28,284
47	Taney	$230-6%	52,691
48	Maries	$229-6%	7,542
49	Dade	$229-6%	7,767
50	Montgomery	$228-7%	13,253
51	Cedar	$228-7%	13,837
52	Ralls	$227-7%	6,766
53	Buchanan	$227-7%	92,699
54	Carroll	$227-7%	9,531
55	Greene	$227-7%	273,929
56	Webster	$227-7%	40,354
57	St. Francois	$226-7%	67,130
58	Monroe	$226-7%	9,819
59	Christian	$226-7%	78,198
60	Butler	$225-8%	41,304
61	Chariton	$225-8%	6,746
62	Newton	$225-8%	39,866
63	Barry	$225-8%	38,534
64	Osage	$225-8%	11,805
65	Benton	$225-8%	18,928
66	Cass	$224-8%	97,619
67	St. Clair	$224-8%	8,518
68	Barton	$224-8%	11,952
69	Jasper	$224-8%	134,185
70	Macon	$223-9%	15,843
71	Lewis	$223-9%	10,511
72	Lafayette	$223-9%	33,684
73	Ray	$223-9%	20,244
74	Howard	$223-9%	9,459
75	St. Charles	$222-9%	362,252
76	Andrew	$222-9%	12,402
77	Lawrence	$222-9%	36,507
78	Howell	$222-9%	40,656
79	Bollinger	$221-9%	11,297
80	Bates	$221-9%	16,326
81	McDonald	$221-9%	22,443
82	Ste. Genevieve	$220-10%	16,347
83	Dunklin	$220-10%	32,059
84	Vernon	$220-10%	20,233
85	Dent	$220-10%	15,318
86	Wright	$220-10%	21,770
87	Nodaway	$219-10%	23,349
88	Livingston	$219-10%	14,883
89	Cooper	$219-10%	17,405
90	Texas	$219-10%	24,850
91	Linn	$218-11%	13,865
92	Johnson	$218-11%	48,570
93	Henry	$217-11%	23,808
94	Clinton	$216-11%	25,722
95	Crawford	$216-11%	22,469
96	Moniteau	$215-12%	14,377
97	Cape Girardeau	$214-12%	74,101
98	Perry	$214-12%	18,691
99	Randolph	$214-12%	27,327
100	Mississippi	$213-13%	14,853
101	Pemiscot	$213-13%	17,345
102	Callaway	$212-13%	43,122
103	Scott	$212-13%	41,957
104	New Madrid	$212-13%	16,675
105	Pulaski	$212-13%	40,946
106	Laclede	$211-14%	36,087
107	Adair	$210-14%	25,622
108	Stoddard	$210-14%	30,310
109	Boone	$210-14%	164,538
110	Audrain	$207-15%	23,684
111	Marion	$205-16%	30,180
112	Saline	$205-16%	23,740
113	Phelps	$205-16%	46,825
114	Pettis	$203-17%	41,721
115	Cole	$202-17%	76,930

Compared to MO avg ($244)

County Insight

St. Louis City stands apart from the rest of the state as an independent jurisdiction, and its rates reflect that isolation of urban risk. Jackson County anchors the Kansas City metro in the high tier. The Ozark counties in the south and the rural northeast counties are the most affordable, sitting well below the statewide average.

What Every Missouri Driver Needs To Know

What are the minimum car insurance requirements in MO for 2026?

Missouri requires 25/50/25 minimums: $25,000 bodily injury per person, $50,000 per accident and $25,000 for property damage. Missouri is an at-fault state. Uninsured Motorist coverage is offered but not mandated.

Why is St. Louis City rated separately from St. Louis County?

St. Louis City is a legal anomaly, it separated from St. Louis County in 1876 and has operated as an independent jurisdiction ever since. Insurers rate it as its own territory and its combination of high vehicle theft, urban density and litigation activity means drivers with a St. Louis City garaging address often pay significantly more than those just across the county line.

Does Missouri follow at-fault or no-fault rules?

Missouri is a pure at-fault state. The driver responsible for the accident pays for all resulting damages. Missouri also applies pure comparative fault — your recovery is reduced proportionally by your share of fault, but you are never fully barred from recovering even if you were mostly at fault.

What are the penalties for driving uninsured in Missouri?

A first offense for driving without insurance in Missouri results in a four-point license penalty, a fine and potential license suspension. Reinstatement requires proof of insurance and a fee. Missouri's point system means an uninsured driving conviction compounds any existing violations on your record, potentially triggering higher insurance surcharges for years.

Sources: Missouri DOR