Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The average cost of car insurance in Missouri ranges from $605 per year for 55-year-olds to $3,247 per year for 16-year-olds. Missouri residents with a good driving record generally see their car insurance premiums drop around age 25, and average rates continue to fall as policyholders age. However, around age 65, you will likely start to see your rates increase again.
Average Cost of Car Insurance in Missouri by Age
| Age | Average Premium |
| 16 | $3,247 per year |
| 25 | $825 per year |
| 35 | $685 per year |
| 45 | $651 per year |
| 55 | $605 per year |
| 65 | $647 per year |
Note: Premiums are representative of a male driver with a minimum coverage policy and a clean driving record; individual premiums will vary.
Your car insurance premiums will generally decrease as you get older if you maintain a good driving record. However, there are other ways to lower your car insurance premiums before then, such as looking for discounts, increasing your deductible or comparing quotes from multiple companies.
To learn more, check out WalletHub’s guide to average car insurance rates by age and state.
People also ask
At what age is car insurance cheapest?
Car insurance is cheapest around age 55, on average, according to WalletHub data. Middle-aged drivers with experience on the road are the least expensive to insure because they have the lowest accident and claims rates, especially compared to senior and teenage drivers, who are the most likely to be involved in car crashes. Overall, car insurance is cheapest for drivers aged 35-65.
Cheapest Ages for Car Insurance
| Age | Average Annual Premium |
How much is full coverage insurance in Missouri?
Full coverage insurance in Missouri costs an average of $360 per month. A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Missouri law. In Missouri, liability insurance and uninsured motorist coverage are mandatory for all drivers.
Average Cost of Full Coverage Insurance in Missouri
Company | Full Coverage | Minimum Coverage |
$135 per month | $30 per month | |
$206 per month | $51 per month | |
$206 per month | $75 per month | |
$241 per month | $73 per month | |
$251 per month | $127 per month |
Note: Premiums are average rates for a good driver in Missouri; individual premiums will vary.
How to Get Cheaper Full Coverage Insurance in Missouri
- Compare quotes from several companies to make sure you're getting the best deal.
- Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
- Don't forget to make sure you're getting all the discounts you can.
To learn more, check out WalletHub's guide to full coverage car insurance.
read full answerWhat car insurance discounts are available in Missouri?
You can get car insurance discounts in Missouri based on how you drive, the car you own, and your relationship with your insurance company. In Missouri, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
read full answerDid we answer your question?