Missouri Auto Insurance
Rates & Coverage Report
This page summarizes real policy data so Missouri drivers can compare insurance rates, coverage mix, and pricing differences by county — without relying on broad estimates.
Ohio Auto Insurance Key Findings
Based on the sold policies included in this Ohio dataset, the observed average monthly premium is $111.18 per month, with a recorded low of $27.00 and a high of $294.48. That nearly 10x spread shows why comparing insurance companies matters — especially when deciding between liability insurance and full coverage auto insurance. Two drivers in the same state can see very different insurance rates depending on vehicle, driver history, deductible selection, and carrier underwriting appetite.
County-level differences are also visible. Franklin County showed the highest single average monthly premium in this dataset, while Scioto County showed the lowest average among counties with multiple policies. In smaller counties with only one or two policies, a single high-risk or full coverage policy can shift the county average more dramatically. That’s why this report should be read as directional guidance rather than a guaranteed price estimate.
Coverage mix plays a meaningful role in pricing outcomes. Policies categorized as full coverage generally carry higher monthly premiums than liability only or non owners vehicle insurance. Drivers needing sr22 insurance, those with recent violations or accidents, or those searching for the cheapest auto insurance in Ohio should expect wider rate variability. The practical takeaway: compare quotes across multiple insurance companies and align coverage with your actual vehicle ownership and risk profile before selecting a policy.
Carrier Distribution
These are the insurance companies most frequently represented in the Missouri policies in this dataset. This helps set expectations before you request an insurance quote.
| Insurance Company | Policies | Share |
|---|---|---|
| Progressive | 16 | 59.3% |
| National General | 4 | 14.8% |
| Assurance America | 2 | 7.4% |
| Safeco | 2 | 7.4% |
| Bristol West | 1 | 3.7% |
| Dairyland | 1 | 3.7% |
| Mendota | 1 | 3.7% |
Missouri Snapshot
A quick baseline for insurance rates in this report. Then compare counties below.
The statewide spread in this dataset is 1629%. That gap is why a true compare approach helps: different insurance companies can price the same driver very differently month to month.
This is internal policy data (not public filings). It reflects real outcomes through an independent agency workflow, including liability only, full coverage, and non owners policies.
- Highest average county premium: Bollinger ($332.78/mo).
- Lowest average county premium: Howell ($74.00/mo).
- Largest within-county spread (2+ policies): St Louis County (941% gap between low and high).
- Statewide observed range: $41.50/mo to $717.39/mo (1629% gap).
County Pricing
This format keeps all county data visible without splitting the page into many small sections.
| County | Policies | Avg / Month | Low | High |
|---|---|---|---|---|
| St Louis County | 8 | $190.83 | $64.94 | $676.43 |
| Howell | 3 | $74.00 | $41.50 | $93.00 |
| Jackson | 2 | $153.88 | $99.55 | $208.21 |
| Bollinger | 2 | $332.78 | $217.58 | $447.97 |
| Cape Girardeau | 2 | $240.58 | $129.23 | $351.92 |
| Phelps | 2 | $129.04 | $78.56 | $179.52 |
| Greene | 1 | $225.74 | $225.74 | $225.74 |
| Miller | 1 | $186.40 | $186.40 | $186.40 |
| Lincoln | 1 | $157.10 | $157.10 | $157.10 |
| Pulaski | 1 | $153.65 | $153.65 | $153.65 |
| Taney | 1 | $149.83 | $149.83 | $149.83 |
| Laclede | 1 | $139.80 | $139.80 | $139.80 |
| Texas | 1 | $123.94 | $123.94 | $123.94 |
| St Louis City | 1 | $717.39 | $717.39 | $717.39 |
Guidance
Ways to keep insurance rates lower month to month:
- Compare quotes across multiple insurance companies.
- Confirm your goal (liability only vs full coverage).
- Ask if a non owners policy fits your situation.
- Choose deductible levels that match your budget, not just the lowest price.
- Keep proof of insurance and print ID cards after purchase.
Want help reading the data and getting an insurance quote? Call us by phone, or start online now.
Resources: ask about Discount options (including military discounts), multi policy, and how credit factors can affect pricing in your state.
What This Ohio Report Shows
This Ohio auto insurance report is based on owned policy data from our agency records — meaning these were sold policies and real monthly premium outcomes, not public filings or generalized price averages. The goal is to help you compare insurance rates by county and understand how coverage choices (like liability insurance, full coverage auto insurance, and non owners options) affect the monthly price.
In this dataset, the observed monthly premium range runs from $27.00/month to $294.48/month. That spread is exactly why we encourage drivers to compare across insurance companies — especially if you’ve had violations, accidents, a recent DUI, or need sr22 insurance. Your vehicle insurance price can shift based on the driver profile, vehicle, garaging, credit, deductible choice, and carrier rules.
If you’re searching terms like “cheapest auto insurance in Ohio for full coverage” or “liability only car insurance in Ohio,” this page is meant to be a reality-based reference: what actual policies have looked like in our book of business, using the same quoting workflow we use for clients by phone and online.
We track policy outcomes through our policy service process. That means this information read reflects real premiums after purchase, not just an insurance quote screen.
This Ohio report currently summarizes a small dataset. With fewer policies per county, a single high-risk or full coverage policy can move the county average more than it would in a larger dataset. Use county comparisons as guidance, then verify with fresh quotes for your exact driver + vehicle.
- Start with the county bar chart to compare pricing patterns.
- Use the table to see the low vs high range (helpful for rate shopping).
- Match coverage type (liability only vs full coverage vs non owners) to your situation.
This page is built for terms like: Ohio auto insurance rates by county, average monthly car insurance Ohio, full coverage vs liability only Ohio, non owner auto insurance Ohio, sr22 insurance Ohio price, and “cheapest car insurance in Ohio with violations.” If you want an insurance quote now, we can compare multiple insurance companies for your driver profile.
Frequently Asked Questions — Missouri Auto Insurance
What does auto insurance cost in Missouri based on real sold policies?
What are Missouri’s minimum auto insurance requirements?
Is auto insurance more expensive in St. Louis than in rural Missouri?
How does SR-22 work in Missouri?
Which insurance carriers write Missouri auto policies for high-risk drivers?
