✓ Updated January 2026 – Based on Real Missouri Quotes
Missouri Auto Insurance Requirements & Costs
Complete guide to Missouri car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.
Key Takeaways: Missouri Auto Insurance Data
Data Source: All rates and statistics reflect real first-party auto insurance quotes collected by licensed agents in Missouri during 2026. These are not national averages or advertised teaser rates — this is actual consumer quote activity from the A Plus Insurance Quote Dataset.
Average Monthly Rate (MO)
$28.84
Based on current Missouri quote data, the observed monthly average is $28.84. Rates shift depending on coverage level, driver profile, violations, and vehicle details.
Liability vs Full Coverage
$28.84 vs —
Current dataset reflects liability-only activity averaging $28.84 per month. Full coverage data is limited in this view and will update as additional quotes are collected.
Cheapest Carrier Observed
Progressive – $28.84
In the current Missouri dataset, Progressive reflects the lowest observed monthly rate at $28.84. Pricing spread across carriers in this view is 0%, indicating limited active records.
SR-22 & DUI Impact
+50–100%
Drivers requiring SR-22 certification typically pay 50–80% more. A DUI can increase Missouri rates 60–100% and remains on your record for up to 10 years.
Missouri Auto Insurance Requirements
Missouri law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.
At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses and lost wages for one person injured in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses and lost wages for all people injured in an accident you cause |
| Property Damage | $25,000 | Damage to another person’s vehicle or property in an accident you cause |
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.
Optional but Recommended Coverage
While not legally required, these coverages provide crucial protection:
- Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
- Collision: Covers damage to your vehicle from accidents, regardless of fault
- Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
- Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault
Learn more about different coverage types on our auto insurance guide, or explore Missouri liability insurance options in detail.
Average monthly auto insurance rate by state
- Pricing ranges from $127.81 (MO) to $127.81 (MO) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $127.81. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
How Violations & Risk Factors Affect Your Missouri Rates
Your driving record and risk profile significantly impact insurance costs in Missouri. Understanding these factors helps you anticipate rate changes and make informed decisions.
Understanding SR-22 Insurance in Missouri
An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Missouri Department of Public Safety. You may need an SR-22 if you have:
- DUI or DWI conviction
- Multiple traffic violations in a short period
- At-fault accident without insurance
- License suspension or revocation
- Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Missouri.
Need SR-22 insurance? Learn more about SR-22 insurance in Missouri and get quotes from providers who specialize in high-risk coverage.
SR22 vs non SR22 rate comparison
Source ... A Plus Insurance Quote Dataset
Liability only
- Across 1 areas, Non SR22 avg monthly averages $96.04 per month while SR22 avg monthly averages $28.84 ... a typical gap of $-67.20.
- This gap is often driven by underwriting tolerance and the way coverage is structured within each group.
- Use filters to compare similar coverage, then review the evidence table for context.
| State | Non SR22 avg monthly | SR22 avg monthly | Dollar difference |
|---|---|---|---|
| MO | $96.04 | $28.84 | $-67.20 |
Full coverage
| State | Non SR22 avg monthly | SR22 avg monthly | Dollar difference |
|---|---|---|---|
| MO | $257.32 |
Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.
Evidence (records used)
| Record ID | Agent | Agent NPN | State | City | ZIP | Age | Sex | Marital Status | Currently Insured | Prior Carrier | Vehicle Year | Vehicle Make | Vehicle Model | Coverage Package | Carrier Quoted | Monthly Premium | SR22 Required | DUI Flag | DUI Count | Accidents Count | Violations Count | Created At |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | Lauren McKenzie | 19081764 | MO | KANSAS CITY | 64133 | 37 | male | single | no | Dairyland Auto | 2000 | BUICK | LESABRE LIMITED | liability_only | Dairyland Auto | 137.750000 | no | no | 0 | 0 | 0 | 2026-03-13 14:13:28 |
| 1765 | Ruby Finley | 21453504 | MO | Mexico | 65265 | 45 | male | single | no | Progressive | unknown | Progressive | 31.340000 | yes | no | 0 | 0 | 0 | 2026-03-13 14:10:37 | |||
| 1666 | Ruby Finley | 21453504 | MO | Bolivar | 65613 | 54 | female | single | yes | All Other Standard Companie | 2007 | DODGE | GRAND CARAVAN SXT | liability_only | Progressive POP | 54.320000 | no | no | 0 | 0 | 0 | 2026-03-05 18:21:11 |
| 1665 | Lauren McKenzie | 19081764 | MO | AMSTERDAM | 64723 | 41 | male | single | no | Progressive | 2018 | CHEVROLET | SILVERADO C1500 LT | full_coverage | Progressive | 131.680000 | no | no | 0 | 0 | 0 | 2026-03-05 18:17:33 |
| 1664 | Lauren McKenzie | 19081764 | MO | SIKESTON | 63801 | 32 | female | single | yes | All Other Non Standard Comp | 2021 | CHEVROLET | EQUINOX | full_coverage | Dairyland Auto | 382.950000 | no | no | 0 | 0 | 0 | 2026-03-05 18:13:46 |
| 1430 | Lauren McKenzie | 19081764 | MO | KANSAS CITY | 64151 | 65 | male | single | yes | USAA CASUALTY INS CO | 2007 | TOYOTA | FJ CRUISER | liability_only | Progressive | 28.840000 | yes | no | 0 | 0 | 0 | 2026-02-06 18:26:57 |
How DUI Affects Your Missouri Insurance Rates
A DUI conviction has severe consequences for auto insurance in Missouri:
- Rate Increase: Average increase of 60-100% for 3-5 years
- SR-22 Requirement: Mandatory filing for minimum 3 years
- Limited Options: Many standard insurers will not cover DUI drivers
- Long-term Impact: DUI stays on your record for 10 years in Missouri
After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.
Common Traffic Violations and Rate Impacts in Missouri
| Violation Type | Typical Rate Increase | Duration of Impact |
|---|---|---|
| Speeding (15+ mph over) | 20-30% | 3 years |
| At-fault accident | 30-50% | 3-5 years |
| Reckless driving | 40-70% | 3-5 years |
| DUI/DWI | 60-100% | 5-10 years |
| Driving without insurance | 50-80% | 3 years |
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.
Why Missouri Auto Insurance Rates Change Over Time
Auto insurance rates in Missouri fluctuate based on multiple factors. Understanding what drives these changes helps you make informed decisions about when to shop for coverage and how to manage your insurance costs effectively.
Key Factors That Affect Your Missouri Insurance Rates
- Inflation and Repair Costs: Vehicle repair costs and medical expenses increase annually, driving up premiums
- Accident Frequency: Higher accident rates in your area lead to increased premiums
- Market Competition: New insurers entering Missouri or existing ones adjusting pricing strategies
- Your Personal Profile: As your driving record, age, and credit change, your rates adjust accordingly
Best Practice: Compare quotes from at least 3-5 insurance providers every 6-12 months. The average Missouri driver who shops around saves $400+ annually. Your current insurer may gradually increase rates, banking on you not noticing. Shopping around ensures competitive pricing. Learn more about Progressive insurance in Missouri and other top carriers.
Important: Even a single day without insurance can have serious consequences in Missouri. If your policy lapses, you face fines, potential SR-22 requirements, and significantly higher rates when you reinstate coverage.
Compare Missouri Rates Now
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Liability only vs full coverage by company
Dairyland
Progressive
Across these carriers, liability only averages $89.66 per month, while full coverage averages $257.32. The largest gap in this view is $245.20 for Dairyland.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
Cheapest auto insurance companies
- Pricing ranges from $61.54 (Progressive) to $260.35 (Dairyland Auto) ... a spread of $198.81.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $160.95. The spread is about 323% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
Driver age average monthly by area
- Pricing ranges from $28.84 (65) to $382.95 (32) ... a spread of $354.11.
- Based on real auto insurance quotes grouped into 6 company results, the average across this view is $127.81. The spread is about 1228% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
Driver sex average monthly by area
- Pricing ranges from $82.40 (male) to $218.64 (female) ... a spread of $136.23.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $150.52. The spread is about 165% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
Auto Insurance Coverage Across Missouri Counties
Find detailed auto insurance information, rates, and requirements specific to your Missouri county.
St. Louis County
Jackson County
St. Charles County
St. Louis City
Greene County
Clay County
Jefferson County
Boone County
Platte County
Cass County
Franklin County
Christian County
Buchanan County
Cole County
Cape Girardeau County
Jasper County
Taney County
Pettis County
Callaway County
Lincoln County
Frequently Asked Questions
What are the minimum auto insurance requirements in Missouri?
Missouri requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Missouri, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Missouri?
Auto insurance costs in Missouri vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Kansas City and Springfield typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Missouri a no-fault insurance state?
No, Missouri is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Missouri.
What happens if I get caught driving without insurance in Missouri?
Driving without insurance in Missouri results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Missouri takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Missouri?
You need SR-22 insurance in Missouri if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Missouri Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Missouri?
A DUI in Missouri typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Missouri?
Yes, most insurance experts recommend purchasing more than Missouri’s minimum 25/50/10 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Missouri?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Missouri drivers $400 or more annually.