Missouri drivers pay around $2,509 a year for full coverage — about 7% under the national average. The state is at-fault but mandates uninsured-motorist coverage on top of a 25/50/25 liability minimum. Here's the coverage you must carry, what Missourians pay, and how to find a cheaper rate.
Missouri runs on an at-fault (tort) basis but mandates uninsured/underinsured motorist coverage alongside its 25/50/25 liability minimum. Full coverage averages roughly $2,509 a year, about 7% under the national average, with St. Louis and Kansas City metro traffic, hail, and a meaningful uninsured-driver rate as the main cost drivers. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Missouri. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Uninsured / underinsured motorist | $25k / $50k | Compulsory in Missouri |
| Personal injury protection | Not required | Missouri follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,509/yr | 7% below U.S. | Comprehensive and collision included |
| Minimum coverage | $655/yr | 22% below U.S. | Bundles the required UM/UIM |
Estimates apply national rate-increase multipliers to Missouri's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,509/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,588/yr | +43% | 2,509 × 1.43 per Bankrate |
| Speeding ticket | ~$3,111/yr | +24% | 2,509 × 1.24 per Bankrate |
| DUI on record | ~$4,717/yr | +88% | 2,509 × 1.88 per Bankrate |
| Young driver (18–24) | ~$5,018/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,265/yr | +70% | 2,509 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Missouri's below-average pricing gets a boost from mandatory UM/UIM that adds protection without much cost. Hail makes comprehensive coverage valuable, and the metro-versus-rural gap is wide. With credit and ZIP code driving differences between carriers, comparison shopping is the most effective way to find value, especially for St. Louis and Kansas City drivers.
Missouri is a below-average-cost state with required UM/UIM and a wide urban-rural split. Weighing carriers and keeping your credit healthy is the best way to secure a competitive Missouri rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Missouri are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Missouri insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.