Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Missouri apart
UM required; hail and rising theft pushed 2024 rate hikes.
Minimum vs. full coverage in Missouri
What each coverage level costs on the Missouri average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $740 | $62 |
| Liability Only | $1,190 | $99 |
| Full | $2,160 | $180 |
| Full Low Deductible | $2,640 | $220 |
Minimum coverage saves about $1,425/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Missouri car insurance FAQ
- What's the minimum car insurance required in Missouri?
- Missouri's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $740/yr but leaves you exposed above those caps.
- How much is full coverage in Missouri?
- Representative full coverage averages $2,165/yr (about $180/mo), ranking Missouri #31 of 51 states for cost.
- Why is Missouri car insurance priced the way it is?
- UM required; hail and rising theft pushed 2024 rate hikes.