What is the minimum car insurance required in Missouri?

Missouri requires 25/50/25 + UM/UIM — fault state, no PIP requirement. Additional required coverage: UM/UIM required (no PIP). Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Missouri?

Missouri drivers pay an average of $124/month ($2,516/year) for full coverage and $55/month ($655/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Missouri?

For minimum coverage, Auto-Owners is cheapest at $34/month ($408/year average). Note: Travelers close behind at $40/mo min For full coverage, Auto-Owners averages $79/month ($948/year). Travelers $82/mo full coverage avg

How can I lower my car insurance in Missouri?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In Missouri specifically, allows credit-based insurance pricing.

Do I need uninsured motorist coverage in Missouri?

Yes — Missouri requires uninsured/underinsured motorist (UM/UIM) coverage by law. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

Cheapest Car Insurance in Missouri (2026)

Auto-Owners leads minimum coverage at $34/month. Missouri drivers pay an average of $124/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.

Updated May 1, 2026 · WebSearch-verified state minimums (25/50/25 + UM/UIM — fault state, no PIP requirement), average costs, and cheapest-carrier rankings.

Quick Answer — Missouri

Minimum coverage required: 25/50/25 + UM/UIM — fault state, no PIP requirement
Avg full coverage cost: $124/month ($2,516/year)
Cheapest carrier (minimum): Auto-Owners — $34/mo avg
Cheapest carrier (full coverage): Auto-Owners — $79/mo avg

What's special about car insurance in Missouri

Fault-based state
Allows credit-based insurance pricing
No PIP requirement (unlike no-fault states)
Auto-Owners (regional Midwest) consistently cheapest for MO residents

Missouri car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	25/50/25 + UM/UIM — fault state, no PIP requirement	—	—
Avg minimum coverage cost	$55/mo	$655/yr	—
Avg full coverage cost	$124/mo	$2,516/yr	—
Cheapest carrier (minimum)	Auto-OwnersBest	$34/mo	$408/yr
Cheapest carrier (full coverage)	Auto-OwnersBest	$79/mo	$948/yr

Which carrier should Missouri drivers pick?

Match your situation to the right carrier. Missouri-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverage→ Auto-OwnersCheapest in Missouri at $34/mo. Travelers close behind at $40/mo min
You want full coverage at the lowest price→ Auto-Owners$79/mo full coverage in Missouri. Travelers $82/mo full coverage avg
You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Get a free Missouri quote in 15 minutes

GEICO is competitive in most states with 20+ discounts. Online quote takes 15 minutes; switching is free.

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Methodology & sources

All Missouri data on this page was WebSearch-verified May 2026 against the Missouri insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.