Of the five insurers we compared, Shelter is the cheapest for full-coverage car insurance in Missouri at $157 a month, while Progressive is cheapest for liability only at $44. At 50/100/50 the two finish within $3 a month of each other, Shelter at $163 and Progressive at $166, so both get the name. Shoppers after affordable Missouri car insurance can begin with that pair; all prices are rates as of Sept. 30, 2026.
In our data Missouri leans toward Shelter, a regional insurer. Shelter’s full-coverage price is the lowest in 254 of the 287 ZIP codes we priced; Progressive’s is lowest in 30, SAFECO’s in 2, and one ZIP code goes to Shelter and Progressive jointly. On Liability Only 25/50/10 Progressive takes 253 ZIP codes and Shelter 34. GEICO is priced here but never has the lowest price, and American Family averages the most at every package, $264 a month for full coverage.
Geography shifts the bill too. St. Louis City averages $273 a month for full coverage across 16 ZIP codes, the top figure among the 26 counties we could rank, while Scott County† sits at $168, $105 a month lower. One caution: our ZIP-level detail is partial. We priced 287 Missouri ZIP codes, but the ZIP tables further down show only the lowest and highest ones.
Page updated Nov. 2, 2026. Every number on this page was built from rates in force on Sept. 30, 2026, supplied by Quadrant Information Services for one modeled driver. Use them to compare companies; they are not an offer. See how we priced Missouri
Cheap Car Insurance in Missouri: The Short Answer
Monthly price leaders, by package
Full coverage: 100/300/100 liability, $500 deductibles
Shelter
$157/mo
$1,878 a year. Next: Progressive at $177.
50/100/50 liability, $500 deductibles
Shelter and Progressive
$163/mo
Shelter $163 and Progressive $166, only $3 apart, so we name both. $1,951 and $1,986 a year.
Meets Missouri’s liability limits
Liability Only 25/50/10
Progressive
$44/mo
$532 a year. Next: Shelter at $51.
Pays less property damage than the law
How Much Is Car Insurance in Missouri? Affordable Missouri Car Insurance Costs
Blending all five insurers, our sample driver pays $203 a month ($2,433 a year) for full coverage, $209 ($2,502) for 50/100/50 and $65 ($782) for Liability Only 25/50/10. Relative to that $203 full-coverage average, Shelter runs $46 a month lower, Progressive $26 lower and SAFECO $3 lower, while GEICO is $14 higher and American Family $61 higher. The company you pick can change the full-coverage bill by up to $107 a month.
That $44 Liability Only 25/50/10 figure falls short of Missouri’s property damage requirement
The last of Missouri’s three limits is $25,000 of property damage, and our liability-only package ends at $10,000. Our 50/100/50 package is above every Missouri limit, at $163 a month with Shelter and $166 with Progressive, and Shelter’s full-coverage package, which also clears them, is $157.
Missouri’s 25/50/25 Limits Against Our Liability Only 25/50/10 Prices
RSMo 303.190 sets Missouri’s liability limits at 25/50/25. Translated into dollars: $25,000 for one injured person, a $50,000 total if several people are hurt at once, and $25,000 for what you do to someone else’s property. Our Liability Only 25/50/10 package matches the two injury numbers. The gap is property damage alone, where it pays $10,000. The 50/100/50 package is above all three.
| Package | Each person | Each crash | Property |
|---|---|---|---|
| Missouri law | $25,000 | $50,000 | $25,000 |
| Liability Only 25/50/10 | $25,000 | $50,000 | $10,000 |
| 50/100/50 | $50,000 | $100,000 | $50,000 |
| Reading it | Only the property figure in the middle row is under the law. | ||
A second Missouri rule concerns drivers who hit you without insurance: RSMo 379.203 calls for uninsured motorist coverage at not less than the bodily-injury limits. We did not price that coverage as its own line, so ask each insurer what a quote includes.
Cheap Car Insurance in Missouri: The Cheapest Insurer for Each Package
The winner changes with the package. Shelter beats Progressive by $20 a month on full coverage, Progressive beats Shelter by $7 on Liability Only 25/50/10, and at 50/100/50 only $3 separates them.
Smallest premium
Liability Only 25/50/10
Lowest of the five: Progressive, $44/mo ($532/yr)
Five-insurer average $65/mo. Shelter charges $7 more and GEICO $26 more. The package pays less property damage than Missouri requires.
Meets the limits
50/100/50 liability, $500 deductibles
Lowest of the five: Shelter, $163/mo and Progressive, $166/mo
Five-insurer average $209/mo. GEICO follows at $199, $33 above Progressive. Damage coverage for your own car is part of the package.
Most protection
Full coverage: 100/300/100 liability, $500 deductibles
Lowest of the five: Shelter, $157/mo ($1,878/yr)
Five-insurer average $203/mo. Progressive charges $20 more and SAFECO $43 more.
Counting ZIP codes gives the same picture. For full coverage Shelter has the lowest price in 254 of 287, Progressive in 30 and SAFECO in 2. On Liability Only 25/50/10, Progressive leads 253 and Shelter 34. At 50/100/50 Shelter leads 157, Progressive 129 and SAFECO 1. Neither GEICO nor American Family comes out lowest in a single ZIP code, whichever package you pick.
See Which Insurer Is Cheapest Where You Live in Missouri
Missouri Car Insurance Companies Compared: Shelter, Progressive, SAFECO, GEICO and American Family
All five insurers returned a price for each of the 287 ZIP codes, so every package rests on 1,435 prices. In the chart, a shorter bar is a cheaper company. Every bar is a monthly full-coverage average for the single driver and car we priced.
Progressive$177
SAFECO$200
GEICO$217
American Family$264
Bars use the full-coverage package. The five-company average is $203 a month.
| Company | Liability Only 25/50/10 | 50/100/50 | Full coverage |
|---|---|---|---|
| Shelter | $51 [$608] | $163 [$1,951] | $157 [$1,878] |
| Progressive | $44 [$532] | $166 [$1,986] | $177 [$2,118] |
| SAFECO | $75 [$894] | $217 [$2,600] | $200 [$2,395] |
| GEICO | $70 [$835] | $199 [$2,383] | $217 [$2,600] |
| American Family | $87 [$1,042] | $299 [$3,593] | $264 [$3,172] |
| Missouri average | $65 | $209 | $203 |
American Family charges $107 more a month than Shelter for full coverage, which adds up to $1,294 across a year, and GEICO charges $60 more. Shelter is the name Quadrant returns, and it priced all 287 ZIP codes. We report what its prices are in our data and nothing beyond that, so ask Shelter itself what it would charge for your car and household. Progressive is the natural second quote.
What You Get at Each Missouri Price Level
One step explains most of the spread: going from Liability Only 25/50/10 to 50/100/50. Across the five insurers, the average rises from $65 to $209 a month, a $144 increase and $1,720 a year. That one step makes two changes: the injury and property limits move above Missouri’s, and your own car becomes insured against damage, with a $500 deductible. We never priced 50/100/50 without that damage coverage, so we cannot say how much of the increase belongs to each change. The jump to full coverage does not push the average higher: $203 is $6 a month below the 50/100/50 average of $209.
Leaner coverage may suit you when
- No loan is attached to the car, so nobody else dictates what to carry.
- Cash reserves could cover repairing or replacing the car.
- The policy you end up with still reaches 25/50/25; our liability-only package falls short of that.
Fuller coverage may suit you when
- Your loan or lease agreement requires collision and comprehensive.
- A big repair bill for your own car would be hard to absorb. Liability helps the other party; collision and comprehensive are what repair your car.
- You prefer injury limits well beyond the legal ones. The full-coverage package here uses 100/300/100.
Ask each company to price both. Which package costs less depends on the insurer. Shelter’s full coverage runs $6 a month under its 50/100/50 ($73 a year), SAFECO’s runs $17 under and American Family’s $35 under. Progressive’s full coverage costs $11 more than its 50/100/50, and GEICO’s $18 more. Those numbers are exactly what Quadrant returned, and one quote on its own could hide the cheaper option.
Cheap Car Insurance in Missouri, County by County
Prices in our data cover 79 Missouri counties. 26 of them have three or more ZIP codes and get a ranking; the other 53 each have just one or two ZIP codes and are shown, unranked, near the end of this section. Counties marked † (12 of the ranked group) rest on only three or four ZIP codes. All county figures average the five insurers.
Ranked counties (26), lowest full-coverage average first
| County (ZIP codes) | Full coverage | Liability Only 25/50/10 |
|---|---|---|
| Scott County† (3) | $168 | $56 |
| Cape Girardeau County† (3) | $175 | $60 |
| St. Charles County (9) | $178 | $65 |
| Boone County (6) | $178 | $55 |
| Christian County (5) | $183 | $59 |
| St. Francois County† (3) | $183 | $55 |
| Pulaski County† (4) | $183 | $52 |
| Camden County† (3) | $186 | $50 |
| Greene County (12) | $186 | $64 |
| Jasper County (5) | $189 | $56 |
| Warren County† (3) | $190 | $57 |
| Cass County (5) | $190 | $62 |
| Webster County† (3) | $191 | $57 |
| Taney County† (3) | $192 | $57 |
| Buchanan County (6) | $193 | $58 |
| Franklin County (7) | $193 | $60 |
| Johnson County† (3) | $193 | $55 |
| Howell County† (3) | $194 | $50 |
| Lincoln County† (3) | $194 | $58 |
| Lafayette County† (3) | $196 | $55 |
| Platte County (5) | $197 | $62 |
| Clay County (12) | $199 | $65 |
| Jefferson County (11) | $205 | $69 |
| St. Louis County (42) | $218 | $80 |
| Jackson County (40) | $224 | $77 |
| St. Louis City (16) | $273 | $95 |
| Missouri (287) | $203 | $65 |
† This county is represented by three or four ZIP codes, so its numbers are a rough guide.
Among ranked counties, Scott County† has the lowest full-coverage average, $168 a month ($2,014 a year) across 3 ZIP codes, followed by Cape Girardeau County† at $175. If a county needs at least five ZIP codes to count, St. Charles County (9) and Boone County (6) tie for lowest at $178. St. Louis City has the highest average, $273 ($3,272 a year) across 16 ZIP codes, which is $105 a month and $1,258 a year more than Scott County.
Take St. Louis City out and the other 25 ranked counties span only $56 a month, from Scott County’s $168 to Jackson County’s $224; the city sits $49 above Jackson. It is highest on the other packages as well, $277 at 50/100/50 and $95 for Liability Only 25/50/10. The lowest Liability Only 25/50/10 average belongs to Camden County† and Howell County†, both $50, with Pulaski County† at $52.
St. Louis City and St. Louis County
St. Louis County leads every other county for ZIP code count in our data, with 42 of the 287. Its full-coverage average of $218 is $15 above the Missouri average of $203, and the city’s is $70 above it. For Liability Only 25/50/10 the city averages $95 and the county $80, compared with $65 statewide. Four St. Louis ZIP codes top the whole state: 63120 and 63115 in the city, 63136 and 63137 in the county. They hold the four highest full-coverage averages, and the same four hold the four highest for Liability Only 25/50/10, with 63136 in front at $109.
The Kansas City side of the state
Jackson County has 40 ZIP codes in our data. Its $224 full-coverage average is second only to St. Louis City, and its $77 average for Liability Only 25/50/10 is third behind the city and St. Louis County. The counties around it price lower: Clay County (12 ZIP codes) at $199, Platte County (5) at $197 and Cass County (5) at $190, so Cass is $34 a month below Jackson. No ZIP code in our partial lists lies in any of these four counties.
Springfield and southwest Missouri
Greene County, which includes Springfield, has 12 ZIP codes in the data. It averages $186 a month for full coverage, $17 under the state figure, and $64 for Liability Only 25/50/10. Nearby, Christian County (5 ZIP codes) averages $183, Jasper County (5) $189, Webster County† $191 and Taney County† $192.
Columbia, Jefferson City and central Missouri
Boone County (6 ZIP codes) averages $178 for full coverage and $55 for Liability Only 25/50/10. Individual ZIP codes stand out more than the county average does. Jefferson City’s 65101 is third lowest of 287 for full coverage at $163 a month, Ashland’s 65010 in Boone County is fifth at $168, and Jefferson City’s 65109 is sixth at $168. Both Jefferson City ZIP codes belong to Cole County, which has only those two in our data and so goes unranked, yet its $165 average is below the lowest ranked county.
Southeast Missouri and Cape Girardeau
Nine of the 12 lowest full-coverage ZIP codes in Missouri are in the southeast corner: Dexter, Sikeston, Malden, Chaffee, Caruthersville, Kennett, East Prairie, Cape Girardeau and Jackson. Dexter’s 63841 in Stoddard County is lowest overall at $160 a month, with Sikeston’s 63801 next. Scott County† and Cape Girardeau County†, the only ranked counties in the area, are also the two cheapest ranked counties.
The 53 counties without a rank
Each name below carries its average monthly full-coverage price, with the count of ZIP codes behind it in parentheses. With so few ZIP codes behind each, we give these counties no cheapest or priciest label. The top of the group, Cedar County at $211, is $62 below St. Louis City, and the bottom, Stoddard County at $160, rests on one ZIP code. A quote for your own ZIP code is a better guide than any county number.
Adair (1) $197; Andrew (1) $202; Audrain (1) $181; Barry (2) $188; Barton (1) $190; Bates (1) $195; Benton (1) $193; Butler (1) $184; Callaway (2) $177; Cedar (2) $211; Clinton (1) $198; Cole (2) $165; Cooper (1) $178; Crawford (2) $180; Dallas (1) $198; Dent (1) $184; Douglas (1) $204; Dunklin (2) $167; Gasconade (2) $196; Grundy (1) $198; Henry (1) $190; Laclede (1) $185; Lawrence (2) $187; Linn (1) $192; Livingston (1) $195; Macon (1) $194; Madison (1) $182; Marion (2) $186; McDonald (1) $193; Miller (1) $179; Mississippi (2) $171; Moniteau (1) $185; Morgan (2) $192; Newton (2) $197; Nodaway (1) $191; Pemiscot (1) $169; Perry (1) $176; Pettis (1) $180; Phelps (2) $176; Pike (1) $184; Polk (1) $192; Randolph (1) $191; Ray (2) $204; Ripley (1) $207; Ste. Genevieve (1) $177; Saline (1) $178; Stoddard (1) $160; Stone (2) $192; Texas (1) $186; Vernon (1) $201; Washington (1) $196; Wayne (1) $196; Wright (2) $194.
Missouri ZIP codes at the low and high ends
Our ZIP detail is partial. Of the 287 ZIP codes priced, the data lists 28, and for each package it includes the 12 lowest and 4 highest averages among all 287. That makes the tables below complete at both ends of the ranking, though not complete for the state. Each ZIP figure averages the five insurers. Between the cheapest and priciest, the full-coverage average moves $160 a month, from $160 in Dexter’s 63841 to $320 in St. Louis’s 63120.
| ZIP and city | County | Per month | Per year |
|---|---|---|---|
| 63841 Dexter | Stoddard County | $160 | $1,917 |
| 63801 Sikeston | Scott County | $163 | $1,953 |
| 65101 Jefferson City | Cole County | $163 | $1,955 |
| 63863 Malden | Dunklin County | $165 | $1,982 |
| 65010 Ashland | Boone County | $168 | $2,010 |
| 65109 Jefferson City | Cole County | $168 | $2,013 |
| 63740 Chaffee | Scott County | $168 | $2,021 |
| 63830 Caruthersville | Pemiscot County | $169 | $2,022 |
| 63857 Kennett | Dunklin County | $169 | $2,023 |
| 63845 East Prairie | Mississippi County | $170 | $2,035 |
| 63701 Cape Girardeau | Cape Girardeau County | $170 | $2,039 |
| 63755 Jackson | Cape Girardeau County | $171 | $2,046 |
| Top four | 63120 St. Louis, $320/mo ($3,839/yr); 63115 St. Louis, $309/mo ($3,710/yr); 63136 St. Louis, $301/mo ($3,606/yr); 63137 St. Louis, $299/mo ($3,591/yr) | ||
| ZIP and city | County | Per month | Per year |
|---|---|---|---|
| 63552 Macon | Macon County | $45 | $540 |
| 64683 Trenton | Grundy County | $45 | $543 |
| 64468 Maryville | Nodaway County | $46 | $555 |
| 64628 Brookfield | Linn County | $47 | $559 |
| 64601 Chillicothe | Livingston County | $47 | $563 |
| 63461 Palmyra | Marion County | $47 | $565 |
| 65265 Mexico | Audrain County | $47 | $569 |
| 65233 Boonville | Cooper County | $48 | $570 |
| 65084 Versailles | Morgan County | $48 | $573 |
| 65026 Eldon | Miller County | $48 | $580 |
| 65018 California | Moniteau County | $49 | $582 |
| 65793 Willow Springs | Howell County | $49 | $584 |
| Top four | 63136 St. Louis, $109/mo ($1,304/yr); 63137 St. Louis, $108/mo ($1,298/yr); 63120 St. Louis, $107/mo ($1,280/yr); 63115 St. Louis, $105/mo ($1,263/yr) | ||
The two lists have no ZIP code in common. Low full-coverage prices cluster in the southeast and around Jefferson City, while the low Liability Only 25/50/10 prices belong to towns across the north and middle of the state, with Macon’s 63552 first at $45 a month. Dexter’s 63841 leads for full coverage and for 50/100/50 yet is only 47th lowest of 287 on Liability Only 25/50/10; Macon’s 63552 is 151st on full coverage.
At the top of the scale, St. Louis’s 63120 is the highest ZIP code for full coverage and for 50/100/50, averaging $320 a month ($3,839 a year). That is $117 above the Missouri average and $160 above Dexter, with the driver, car and coverage unchanged. On Liability Only 25/50/10 the highest is 63136 at $109 a month, $64 above Macon.
Compare Missouri Rates Once Your Limits Are Set
Missouri’s 25/50/25 Limits, Translated
Think of three ceilings on payouts to other people: $25,000 per person you injure, $50,000 in total for one accident however many are hurt, and $25,000 for the property you damage. Fixing your own car and paying your own medical bills are outside all three. The uninsured motorist rule mentioned earlier is separate, and our packages do not price it on its own line.
Prices for 50/100/50 run Shelter $163, Progressive $166, GEICO $199, SAFECO $217 and American Family $299. Full coverage also clears every limit, and with Shelter it costs less than 50/100/50, $157 against $163. A policy written at exactly 25/50/25 would lack the collision and comprehensive protection our 50/100/50 package includes; ask for that policy by name if it is the one you want.
7 Ways to Lower Your Missouri Car Insurance Bill
- Get Shelter and Progressive quotes side by side. Shelter saves $20 a month on full coverage, Progressive saves $7 on Liability Only 25/50/10, and at 50/100/50 they differ by $3.
- Choose by what the policy covers, not the lowest number. The $44 Liability Only 25/50/10 price pays too little property damage, whereas 50/100/50 begins at $163.
- Price 50/100/50 and full coverage together. Full coverage is the cheaper of the two at Shelter, SAFECO and American Family and the pricier one at Progressive and GEICO.
- Use the right ZIP code. The five-company average moves $160 a month between Dexter and St. Louis, so quote with the ZIP code of the place the car is stored.
- In St. Louis or Jackson County, quote all five. Full-coverage averages are $273 in St. Louis City, $218 in St. Louis County and $224 in Jackson County, and American Family averages $107 a month above Shelter statewide.
- Ask about uninsured motorist coverage. Missouri law calls for it at not less than the bodily-injury limits, and quotes may treat it differently.
- Ask about discounts and deductibles. A higher collision and comprehensive deductible, bundling or paying in full may lower a quote. Our prices use $500 deductibles.
Missouri Car Insurance Quotes: Keep These Inputs the Same
The prices above describe a single modeled driver, while your own quote will turn on your vehicle, driving history, household and where the car is stored. Keeping to a few rules makes quotes line up:
- Give each company the same liability limits, 25/50/25 or higher.
- Decide on one collision and comprehensive deductible before requesting anything.
- See what uninsured motorist coverage each quote contains.
- Type in identical drivers, vehicle and garaging address on every form.
- Look at what a package pays before its price: a $44 Liability Only 25/50/10 quote has no collision or comprehensive and only $10,000 of property damage, while a $166 50/100/50 quote has $50,000.
Gather Missouri Quotes on Matching Coverage Terms
How We Priced Missouri Car Insurance
The data provider is Quadrant Information Services. Quadrant starts from a fixed driver and vehicle, applies the rates and rating rules each insurer has filed, and returns a premium; we compare and average what came back for Missouri. Rates reflect Sept. 30, 2026.
- Driver: single, 40, licensed for 24 years, good credit, nothing on his record. Vehicle: a 2024 Toyota Camry LE that is his own and used for personal trips. As the only person on the policy he leaves out any teen, added or occasional driver.
- Packages: Liability Only 25/50/10 has no cover for the driver’s own car. 50/100/50 pays $50,000 to each injured person, $100,000 across one accident and $50,000 toward property damage, plus $500 deductibles on collision and comprehensive. The full-coverage package raises liability to 100/300/100 and leaves those deductibles unchanged. Personal injury protection and medical payments are in none of the packages, so no price includes them. Compared with 25/50/25, Liability Only 25/50/10 is lacking on property damage alone, while 50/100/50 beats all three limits.
- Sample: 287 Missouri ZIP codes in 79 counties. Every one of the five insurers produced a price in every ZIP code, which is 1,435 prices per package; all five are ranked.
- Partial ZIP lists: the ZIP tables show 28 of the 287 ZIP codes, the lowest and highest ranks per package. The other ZIP codes still feed the county and state averages but are not discussed individually.
- Arithmetic: when Quadrant returns two prices for an insurer in one ZIP code, we keep the lower. State, county and ZIP figures count each insurer equally. A monthly figure is the annual premium split into twelve and rounded, and every gap between companies subtracts one rounded monthly price from another.
- Naming: a company has to be priced in at least half of the state’s ZIP codes to be named, and one a few dollars a month from the lowest is named alongside it. That is why Shelter and Progressive share the 50/100/50 result. For full coverage and liability only, the second-place company is far enough back that one name stands alone.
- Left out: nothing was removed from the Missouri data: no insurer, ZIP code or county. Insurers that are not in our data also sell in Missouri, so add a quote from a company you already know.
A modeled driver cannot forecast your bill, which depends on your address, your car, your record, the coverage you pick and the discounts you earn.
Missouri Car Insurance: Your Questions Answered
Is $200 a month a lot for car insurance in Missouri?
$200 is about what our five insurers average, though the cheapest price in most ZIP codes is lower. The Missouri full-coverage average is $203 a month, only $3 above $200, and the cheapest full-coverage price undercuts $200 a month in 265 of the 287 ZIP codes we priced and undercuts $150 in 171. That lowest price is what a shopper could find in each ZIP code among the five insurers we compared, not what the average driver pays. It ranges from $118 to $256 a month by ZIP code, and the median is $144. In the other 22 ZIP codes even the lowest price is $200 or more, though it never reaches $300.
Who has the cheapest car insurance in Missouri right now?
For full coverage, Shelter is cheapest among the five insurers we compared, at $157 a month, and for Liability Only 25/50/10 it is Progressive at $44, using rates as of Sept. 30, 2026. At 50/100/50, Shelter ($163) and Progressive ($166) are within $3 a month of each other, so we name both. Progressive is next on full coverage at $177, and Shelter is next on Liability Only 25/50/10 at $51. Shelter is lowest in 254 of 287 ZIP codes for full coverage; Progressive is lowest in 253 for Liability Only 25/50/10.
What happens if you drive without insurance in Missouri?
The Missouri Department of Revenue lists 4 points for a conviction of having no proof of insurance. The court may order supervision or a suspension, shown as 0 days for a first offense, 90 days for a second and one year for a third or later, and reinstating a license takes $20, $200 or $400 plus proof of insurance. Drivers must carry proof of insurance and show it to law enforcement when asked, or they can receive a ticket. The page we checked on Nov. 1, 2026 gives no statement on whether being uninsured is, by itself, a reason for police to stop a driver.
Is GEICO or Progressive cheaper in Missouri?
Progressive wins the comparison at every level among the insurers we compared: $177 against $217 a month for full coverage, $166 against $199 at 50/100/50, and $44 against $70 for Liability Only 25/50/10. GEICO has the lowest price in none of our 287 ZIP codes at any level. Among all five, Progressive is lowest in 30 ZIP codes on full coverage, 129 at 50/100/50 and 253 on Liability Only 25/50/10. Shelter undercuts both on full coverage ($157) and at 50/100/50 ($163).
Why is car insurance so expensive in Missouri?
Our data shows the Missouri full-coverage average at $203 a month, $46 over Shelter’s $157, and location adds more: 63120 in St. Louis, the highest ZIP code we priced, averages $320 a month across the five insurers, $160 over the lowest, 63841 in Dexter at $160. We do not guess at causes. By county, St. Louis City averages $273, Jackson County $224 and St. Louis County $218, while Scott County averages $168. On the legal side, Missouri’s liability limits are 25/50/25, and its law calls for uninsured motorist coverage at not less than the bodily-injury limits.
What is the minimum car insurance in Missouri?
Missouri sets liability limits of 25/50/25 in RSMo 303.190: $25,000 toward one injured person, $50,000 toward all injuries in one accident and $25,000 toward property damage. Missouri law also calls for uninsured motorist coverage at not less than the bodily-injury limits (RSMo 379.203). The liability-only package we priced matches the 25/50 injury limits but covers only $10,000 of property damage, below the law, which is why it is labeled Liability Only 25/50/10. The 50/100/50 package is above all three limits.
Is 50/100/50 enough car insurance in Missouri?
It sits above Missouri’s 25/50/25 limits on every number, since its injury caps are 50/100 and its property damage cap is $50,000. In our data it costs $163 a month with Shelter and $166 with Progressive, which is $112 and $122 a month more than their Liability Only 25/50/10 prices. Shelter’s full coverage, at $157, costs less than its 50/100/50, while Progressive’s, at $177, costs more than its own. Whether a given limit is enough depends on a household’s assets and risks, which this page cannot judge; a licensed agent can talk it through.
How much is full coverage car insurance in Missouri?
Full coverage in Missouri averages $203 a month ($2,433 a year) among the five insurers we priced, from $157 at Shelter up to $264 at American Family. The package is 100/300/100 liability with $500 collision and comprehensive deductibles, priced as of Sept. 30, 2026. The other averages are Progressive $177 ($2,118 a year), SAFECO $200 and GEICO $217.
Is liability coverage full coverage?
No. Liability coverage pays other people for injuries and damage you cause, whereas full coverage usually layers collision and comprehensive on top, paying to fix or replace your own car. In our Missouri data Liability Only 25/50/10 averages $65 a month against $203 for full coverage. Shelter charges $51 for liability only and $157 for full coverage; Progressive charges $44 and $177.
How do tickets and points affect car insurance in Missouri?
The Missouri Department of Revenue counts points for tickets. Four points in 12 months earns an advisory letter, 8 points in 18 months a suspension of 30, 60 or 90 days, and 12 points in 12 months, 18 in 24 or 24 in 36 a one-year revocation. Failing to show proof of insurance adds 4 points. Points shrink by one-third after a year, one-half after two years and reach zero after three. A suspended driver must carry liability insurance for 3 years after the suspension ends and file proof with the Department of Revenue, and reinstatement fees are $20, $200 and $400 for a first, second and third or later suspension. Our prices assume no accidents or violations, so none of this is built into them.
How much does car insurance cost in Missouri on average?
Car insurance in Missouri averages $203 a month ($2,433 a year) for full coverage in our data, $209 ($2,502) for 50/100/50 and $65 ($782) for Liability Only 25/50/10, which blends the five insurers we priced as of Sept. 30, 2026. The lowest prices we found are $157 (Shelter) for full coverage, $44 (Progressive) for Liability Only 25/50/10 and $163 (Shelter) or $166 (Progressive) at 50/100/50.
Where can I find affordable car insurance in Missouri?
Price the two companies that came out lowest in our Missouri data, with identical limits and deductibles on both: Shelter’s full-coverage price was lowest in 254 of 287 ZIP codes, and Progressive’s Liability Only 25/50/10 price was lowest in 253. Each quote box on this page begins a real request for your ZIP code. Add a quote from a company you already know, since other insurers sell in Missouri that are not in our data.
Official sources for the penalty and points answers: Missouri Department of Revenue: driver penalties and Missouri Department of Revenue: tickets and points, checked Nov. 1, 2026.
- About the CCI Author
- Latest Posts
Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.