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Cheapest Car Insurance in Missouri

Missouri, the heart of the westward expansion, is the birthplace of the Pony Express, the Oregon Trail and the Santa Fe Trail. “The Show Me State” is home to the Ozark Mountains, and has brought such notable Americans to international fame as Mark Twain, Tennessee Williams, T.S. Eliot, Yogi Berra, Chuck Berry and J.C. Penney. With Civil War battle re-enactments to top notch ballet, Missouri holds surprises from border to border. While driving to the next surprise, don’t get bogged down with figuring how to stay protected on the road. has done the searching and has brought all the essential information for Missouri drivers right here.


From the Ozarks to the Northern Plains, Missouri’s variety seems endless. When figuring out the state’s car insurance laws and regulations, they can seem just as endless. Following is a list of all the important facts, figures and laws every driver should know when traveling or living in Missouri.

Minimum Requirements for Car Insurance in Missouri

  • To operate a vehicle in Missouri, a driver must carry Liability insurance and Uninsured Motorist coverage.
  • Liability Coverage minimums:
    • $20,000 per individual to cover bodily injury or death.
    • $50,000 per accident involving bodily injuries or deaths.
    • $10,000 for property damage.
  • Uninsured Motorist minimum:
    • $25,000 per individual
    • $50,000 per accident

Failure to maintain insurance and provide proof of insurance can result in fines, license suspensions and auto impounds.

New Driver Licensing Requirements:

  • Missouri has implemented a Graduated Driver License (GDL) program for drivers between the ages of 15 and 18 to provide an opportunity to gain driving experience. The GDL consists of 3 steps: the Instruction Permit, the Intermediate License and the Under-21 Full License. Each stage must be completed before moving to the next, and each has unique restrictions and requirements.
  • Instruction Permit: Applicants must be 15 years old for this 1-year permit, and the following applies:
    • The applicant must pass the vision, road sign and written tests.
    • Applicants under age 16 may only drive with a parent/legal guardian or a licensed driver age 25 or older who has held a license for at least 3 years.
    • Applicants 16 years old may drive with a licensed driver age 21 years or older.
    • Regardless of the applicant’s age, all occupants must wear seat belts.
    • The permit must be held for at least 182 days.
    • The applicant must complete 40 hours of driving, 10 of which must be night driving.
  • Intermediate License: The applicant must be at least 16 years old. At this stage, the applicant must complete the driving test as well as the requirements for the Instruction Permit. While holding this license, the following applies:
    • During the first 6 months, the applicant may not drive with an unrelated passenger under 19 years of age.
    • After the first 6 months, the applicant may not drive with more than three unrelated passengers under 19 years of age.
    • The applicant may not drive between 1 am and 5 am unless accompanied by a licensed driver age 21 or older.
  • Under-21 Driver License: In order to hold this license, the applicant must have no alcohol-related or traffic violations in the past 12 months. The driver must maintain his/her good driving record to transfer the license to a regular full driver license at age 21.
  • Vision Exam. The vision test is used to determine if the applicant can see clearly enough to drive. A visual acuity of at least 20/40 is needed to pass. A peripheral vision of 85 degrees for both eyes or 55 degrees for one is needed to pass. Corrective lenses may be worn, and if they are, they must be worn whenever the applicant drives. Restrictions can be given for applicants with less than 20/40 vision.
  • Written Test. The written exam consists of 25 multiple choice questions based on information found in the Missouri Driver’s Manual.
  • Road Signs Test. This test evaluates the applicant’s ability to recognize road signs based on shape, color and/or symbol.
  • Road Skills Test. The road test evaluates the applicant’s driving skills. The vehicle, provided by the applicant must have:
    • Current plate(s) and inspection sticker
    • Seat belts in proper working order
    • Doors that access the front seat from the driver and passenger sides
    • Two working brakes (parking and a foot brake)
    • An operable horn
  • The applicant will be tested on his/her knowledge of the basic interior controls of the vehicle. The following will be evaluated during the driving portion of the exam:
    • Making right and left turns
    • Stopping
    • Backing
    • Grade parking
    • Parallel parking
    • Approach and obey warning signs, traffic lights and stop signs
  • If the applicant fails the test, he/she may re-take the test the following day. Three attempts are allowed; however, upon the third failure, subsequent attempts must be approved by the Department of Revenue.
  • Fees. The following fees apply to a new Missouri drivers license:
    • Regular License, $35
    • Intermediate License, $7.50
    • Instruction Permit, $3.50


  • BAC limit: .08 Missouri’s Department of Revenue provides information regarding the state’s DUI penalties:
  • First Offense:
    • Fine: maximum $500
    • Jail: maximum 6 months
    • License suspension: 30 day
    • Possible Ignition Interlock Device (IID)
  • Second Offense:
    • Fine: maximum $1,000
    • Jail: maximum 1 year
    • License suspension: 1 year
    • IID: possible for 1 year beginning after the suspension
  • Third or Subsequent Offense(s) – felony:
    • Fine: maximum $5,000
    • Jail: maximum 5 years
    • License suspension: 10 years
    • IID required
  • DUI conviction penalties can increase with aggravated factors and higher BAC levels.

Texting & Driving Laws states that Missouri currently holds a ban on texting for novice drivers.

Unique Laws

Laws sometimes need some explanation. Missouri seems to have quite a few of those on its books, and one good example is the prohibition of installing bath tubs that have four legs resembling animal paws. Another one would be the Natchez law that makes it illegal to provide intoxicants to elephants. And drivers must remember that it is illegal to honk someone else’s horn!


Best Cheap Car Insurance Quotes for Missouri

St. Louis County Car Insurance

Bordering but not including the city of the same name, St. Louis County lies at the Illinois border. The county and city parted ways in 1877 and many years of discussion, chiefly regarding city residents being double-taxed for overlapping city and county services.

St. Louis County's seat is Clayton, a city organized in 1877 and named after Ralph Clayton, who donated the land for the courthouse. An estimated 16,000 people live within its 2.5 square miles. A downtown district is home to art galleries, boutiques and upscale restaurants. Annual events include the St. Louis Art Fair and Taste of Clayton food festival.

County Sedan Suv Coupe Truck Hybrid
Saint Louis-----

Jackson County Car Insurance

On the western border of Missouri is Jackson County, named for President Andrew Jackson and home to Kansas City, the center of its county government. Nonetheless, its original county seat Independence, and it retains that status.

World War I buffs travel to Kansas City for the popular World War I Museum and Memorial displaying uniforms, weapons, mobile medical units and recreations of trenches, plus facts and stories. Kansas City is the headquarters for Hallmark, and its visitors center and Kaleidoscope interactive workshops are free and family-friendly. The Harry S. Truman Library and Museum and National Historic Site are located in Independence.

County Sedan Suv Coupe Truck Hybrid

St. Charles County Car Insurance

Originally called the District of St. Charles, the east Missouri County of St. Charles didn't have definite borders until its neighboring counties established them in 1818. Now the state's third most populous county, it is also the wealthiest.

Home to numerous vineyards and wineries, St. Charles County lies north of St. Louis on the Illinois border. Its seat is St. Charles, where its historic downtown buildings have been restored into upscale shops and restaurants. The 240-mile Katy Trail State Park, a destination for hikers and bikers, begins in St. Charles' Frontier Park, meandering east along the Mississippi through Augusta before veering west. The small town of Augusta is a popular stop for bed and breakfasts, antique shops and wine tours.

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Saint Charles-----

City of St. Louis Car Insurance

Independent from the county of St. Louis that surrounds it, the city of St. Louis is known as the Gateway to the West, since it was the last stop for supplies and thus the "starting point" before settlers would head out west during the 1800s. The famous 630-foot steel Gateway Arch commemorates this.

The Gateway Arch and Museum is among St. Louis' popular tourist attractions today, along with the city's zoo and botanical garden. Among its most unique features, however, is a former 10-story shoe factory filled with re-purposed architectural and industrial materials, including a school bus and airplane, and made into an indoor-outdoor playground known as the City Museum. Its creator, artist Bob Cassilly, died in 2011 while working on Cementland, a St. Louis art project that remains incomplete.

County Sedan Suv Coupe Truck Hybrid
Saint Louis City-----

Greene County Car Insurance

Located in southwest Missouri, Greene County surrounds its seat and largest city of Springfield, which has been called the Birthplace of U.S. Route 66, since it was here that officials first discussed the name of the Chicago-to-Los Angeles highway in 1926. Traces of the Mother Road are still evident in downtown Springfield.

Fantastic Caverns holds the claim of "the only ride-through cave in North America," offering tram rides through the cavern system for visitors. The NRA National Sporting Arms Museum draws gun enthusiasts interested in historic firearms. Greene County is also home to a Japanese Stroll Garden, botanical garden, winery and several craft breweries.

County Sedan Suv Coupe Truck Hybrid

Clay County Car Insurance

A northeast suburb of Kansas City, Clay County contains part of the city itself, and many of its amenities, including the Worlds of Fun and Oceans of Fun theme parks. Its county seat is Liberty, a town of about 30,000 and home the Belvoir Winery, Liberty Jail Museum and Jesse James Bank Museum.

Clay County's many smaller communities draw visitors annually via events such as the Jesse James Festival in Kearney and Gatsby Days and Tombstone Tours in Excelsior Springs. Smithville hosts two sanctioned barbecue contests each year in its historic downtown.

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Jefferson County Car Insurance

Centered around its seat of Hillsboro, Jefferson County curves around both the Mississippi River and Interstate 55, just south of St. Louis. Mostly suburban today, the county encompasses many historical treasures, including one of only four covered bridges remaining in Missouri.

The Mastodon State Historic Site is a vital archaeological site with a museum open to visitors. The 425-acre park is built on the oldest Native American site in the Missouri Park system. Near DeSoto, Washington State Park features prehistoric petroglyphs and rock carvings from cultures dating back 1,000 years.

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Boone County Car Insurance

Halfway between St. Louis and Kansas City on Interstate 70, Boone County surrounds the town of Columbia, its county seat and largest city. Home to the University of Missouri, Jefferson County also includes part of the Mark Twain National Forest.

A Midwestern college town, Columbia is a regional center for arts, education and athletics. The annual True/False Film Festival is held in the early spring at multiple venues. Columbia is also home to the Museum of Anthropology, the largest collection of prehistoric Missouri artifacts, some dating back to 9,000 BC.

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Jasper County Car Insurance

Located at the Kansas border in southwestern Missouri, Jasper County was once home to the Osage Native Americans. Its county seat is Carthage.

The largest city in Jasper County is Joplin, the site of a deadly 2011 tornado that killed 161. The city has since been the focus of restoration and reconstruction. Its Grand Falls and Wildcat Glades Conservation and Audubon Center are both popular with hikers and nature lovers. The Joplin Museum Complex features unique collections such as mining materials from the early 1900s, a cookie cutter collection and an exhibit on Bonnie and Clyde.

County Sedan Suv Coupe Truck Hybrid

Franklin Car Insurance

East of St. Louis via Interstate 44, Franklin County lies in a region known as the Missouri Rhineland that spans both sides of the Missouri River. Home to roughly 102,000, it is a large and predominantly rural county named after founding father Benjamin Franklin.

The county seat is Union, a town of about 11,000 on the Bourbeuse River, about an hour's drive from St. Louis. Union is only slightly smaller than Franklin County's largest town, Washington, which holds the title of "corncob pipe capital of the world," since the world's oldest and largest manufacturer of corncob pipes, Missouri Meerschaum, is located there and produces 3,500 pipes per day.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Cape Girardeau$1,001.00$857.00$944.00$948.00$1,083.00
New Madrid$925.00$794.00$873.00$947.00$997.00
St. Charles$958.00$824.00$915.00$971.00$1,021.00
St. Clair$1,032.00$887.00$964.00$975.00$1,123.00
St. Francois$1,049.00$903.00$990.00$1,021.00$1,132.00
St. Louis$1,028.00$888.00$986.00$1,038.00$1,090.00
St. Louis city$1,153.00$996.00$1,105.00$1,167.00$1,226.00
Ste. Genevieve$1,046.00$901.00$988.00$981.00$1,130.00
Wright$975.00$832.00$913.00$948.00$1,061.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Missouri’s average auto insurance premiums reflect the changes of the national average almost exactly while at a much lower average. reports that both the nation’s and Missouri’s average premiums as a percentage of income hit record lows in 2009 but have since bounced back up.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration shows a gradual increase in Missouri’s drunk driving fatalities in 2012. However, the number declined from 2013 to 2014. The state’s average remains above the national average.

Vehicular Theft in Missouri

Missouri’s vehicle theft rates have remained stable during the last three years. However, they do remain well above the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversAmerican Family
Young driversFarm Bureau
Drivers with an at-fault crashFarm Bureau
Drivers with poor creditAmerican Family
Retired driversAmerican Family


State Department of Insurance

Missouri Department of Insurance
301 W. High St.
Room 530
Jefferson City, MO 65101
(573) 751-4126
Get Directions

Department of Transportation

Missouri Department of Transportation
105 W. Capitol Ave.
Jefferson City, MO 65102
1-888-ASK-MODOT (275-6636)
Get Directions

Department of Motor Vehicles

Missouri Department of Revenue
Motor Vehicle Titling and Registration
Harry S Truman State Office Building
301 W. High St,
Jefferson City, MO 65101
Driver License: (573) 526-2407
Motor Vehicle: (573) 526-3669
Get Directions

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