Compare Car Insurance Quotes in Missouri
Jerry is a free app trusted by 21,824 Missouri drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Missouri car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Missouri, Jerry drivers pay:
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$76 to $180 per month for state-mandated minimum coverage.
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$169 to $356 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Missourians save an average of $640 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Missouri car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Missouri have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Missouri homeowners deal with tornadoes, severe hailstorms, and flooding along the Missouri and Mississippi rivers. These risks push home insurance rates well above the national average, making bundling home and auto insurance an effective strategy to save.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Missouri drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Missouri, shopping around helps you find the right fit.
That matters in Missouri, where rates look very different depending on whether you’re driving in Kansas City, St. Louis, or the more rural parts of the state. City traffic and theft rates push premiums up in the metros, while severe weather and hail affect drivers statewide. Jerry works with Missouri drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 10 trusted insurers in the Show-Me State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Missouri drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Missouri
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Missouri car insurance coverage requirements
Missouri drivers are required to buy liability insurance and uninsured motorist coverage to legally drive their car. The minimum requirements in this state are:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured motorist bodily injury per person
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$50,000 in uninsured motorist bodily injury per accident.
While this makes you legal to drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering nearly 21% of Missouri drivers are uninsured, it might also be a good choice to raise your uninsured/underinsured motorist (UIM) limits.
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Coverage definitions
Factors affecting Missouri car insurance rates in 2026
Hail and severe storm damage
Missouri sits squarely in the country’s hail belt, and strong thunderstorms roll through regularly from spring into summer. We recommend keeping comprehensive coverage because that’s what pays for hail, wind and falling debris damage.
Metro crash and theft activity
St. Louis and Kansas City see more collisions and theft-related losses than most of the state, driven by traffic density and parking exposure. Carry collision coverage so your car is protected after a crash, and keep comprehensive for theft and vandalism, especially if you park on the street.
Deer collisions
Wildlife strikes spike in fall, especially on rural roads and during low-light hours. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you drive outside city centers regularly.
Uninsured drivers
Nearly one in five Missouri drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
High-speed rural corridors
Outside the metros, higher speeds on two-lane highways mean crashes tend to be more severe and more expensive. If you do a lot of rural driving, make sure your liability limits can handle a serious accident, not just the state minimum.
Rough roads and construction zones
Missouri roads see frequent construction and uneven pavement, raising the risk of tire, wheel, nd suspension damage along with low-speed fender benders. Keep collision coverage active and choose a deductible you can comfortably afford, so everyday road hazards don’t turn into surprise out-of-pocket costs.
Average cost of car insurance in major Missouri cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $289 | |
| $408 | |
| $391 | |
| $206 | |
| $256 | |
| $384 | |
| $209 | |
| $183 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Missouri quotes in as little as 2 minutes.
Learn more about driving in Missouri
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How to get a temporary license plate in Missouri.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Missouri a no-fault state?
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What happens if I drive without insurance in Missouri?
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Can I let someone else drive my car in Missouri?
