Auto Insurance in Missouri — Average Cost 2026
Average auto insurance in Missouri: $1,590/year ($133/month). Missouri ranks #21 out of 51 states — below the national average.
Average annual
$1,590
Average monthly
$133
National rank
#21
of 51 states
vs national avg
-10.7%
Missouri vs national average
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Auto insurance in Missouri
Missouri sits 11% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Missouri tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Missouri drivers hundreds of dollars annually.