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Auto insurance rates, minimum coverage requirements, and driver statistics for Missouri (MO).
Avg Annual Premium
$1,760
$34 above national avg
Cost Rank
#23
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
14.0%
of drivers
Min Liability
$580/yr
Legal minimum
Average Premium
$1,760/yr
State average
Full Coverage
$1,760/yr
Comprehensive + Collision
Missouri requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,752 | $5,368 | $4,136 |
| 20-25 | $3,168 | $3,520 | $2,816 |
| 26-35 | $1,936 | $2,024 | $1,848 |
| 36-45 | $1,760 | $1,795 | $1,725 |
| 46-55 | $1,672 | $1,707 | $1,637 |
| 56-65 | $1,619 | $1,654 | $1,584 |
| 65+ | $1,848 | $1,901 | $1,795 |
Rates shown are annual averages for each age group in Missouri. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Missouri | National Avg |
|---|---|---|
| Average Annual Premium | $1,760 | $1,726 |
| Uninsured Rate | 14.0% | 11.1% |
| Registered Vehicles | 5,047,100 | 5,330,804 |
| Accidents per Year | 75,706 | 79,962 |
Population
6,155,000
Registered Vehicles
5,047,100
Accidents per Year
75,706
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.