🚗 Car insurance cost in Missouri (2026)
The estimated average is $2,150 per year — about the national average (0% vs. the U.S. average of $2,150).
Missouri is home to about 6.2 million people, and car insurance here runs near the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Kansas City typically differ from smaller towns.
Estimate your car insurance in Missouri
Missouri car insurance estimator
Starts from the Missouri average. Estimate only — get quotes to confirm.
Car insurance cost in Missouri cities
| City | Population | Est. car insurance |
|---|---|---|
| Kansas City | 508,090 | $2,322 |
| St. Louis | 281,754 | $2,236 |
| Springfield | 169,176 | $2,150 |
| Columbia | 128,555 | $2,150 |
Missouri car insurance FAQ
How much is car insurance in Missouri?
The estimated average car insurance in Missouri is $2,150 per year, which is about the national average (0% vs. the U.S. average of $2,150). Missouri ranks 23 of 51 states from most to least expensive.
Why is car insurance cheaper in Missouri?
Car insurance pricing in Missouri reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on car insurance in Missouri?
Compare at least three quotes from insurers active in Missouri, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.