Missouri
- ~$50–$65
- ~$130–$160
- $25K/$50K/$10K
Missouri features moderate insurance rates, influenced by a mix of urban centers like St. Louis and Kansas City and rural areas. The state uses a fault-based liability system with minimum coverage requirements, and accident rates have fluctuated with regional traffic patterns.
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Missouri Auto Insurance Facts *
Drivers
- ~4.7–4.9 million licensed drivers as of 2023.
- ~88% vehicle ownership among households.
- Diverse vehicle types with a mix of sedans, pickups, and SUVs.
- Uninsured motorist rate estimated at 12%.
- Public transit mainly available in larger metro areas.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~62,500 | ~17,200 | 720 |
| 2019 | ~64,000 | ~17,800 | 735 |
| 2020 | ~58,300 | ~16,000 | 700 |
| 2021 | ~61,200 | ~16,500 | 720 |
| 2022 | ~62,800 | ~17,000 | 730 |
Laws & Regulations
- Fault-based (tort) liability system.
- Mandatory bodily injury and property damage coverage.
- Proof of insurance required at vehicle registration.
