Average insurance rates across 111 cities in Missouri
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Kansas City | 508,090 | $2,138 | $1,638 | $552/mo | $15/mo |
| St. Louis | 301,578 | $2,115 | $1,620 | $552/mo | $15/mo |
| Springfield | 169,176 | $1,950 | $1,494 | $546/mo | $14/mo |
| Columbia | 126,254 | $2,115 | $1,620 | $552/mo | $15/mo |
| Independence | 122,218 | $2,092 | $1,602 | $551/mo | $15/mo |
| Lee's Summit | 101,728 | $2,092 | $1,602 | $551/mo | $15/mo |
| O'Fallon | 91,825 | $2,092 | $1,602 | $551/mo | $15/mo |
| Joplin | 90,384 | $2,092 | $1,602 | $551/mo | $15/mo |
| St. Joseph | 75,033 | $2,092 | $1,602 | $551/mo | $15/mo |
| St. Charles | 70,687 | $2,092 | $1,602 | $551/mo | $15/mo |
| Blue Springs | 58,720 | $2,092 | $1,602 | $551/mo | $15/mo |
| St. Peters | 57,692 | $2,092 | $1,602 | $551/mo | $15/mo |
| Florissant | 52,167 | $2,092 | $1,602 | $551/mo | $15/mo |
| Chesterfield | 49,645 | $2,092 | $1,602 | $551/mo | $15/mo |
| Wentzville | 44,584 | $2,092 | $1,602 | $551/mo | $15/mo |
Missouri residents pay an average of $2,350 per year for home insurance and $1,800 for auto insurance. Missouri follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Missouri averages $560 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in Missouri include State Farm, Shelter Insurance, American Family.
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Policygenius The ZebraThe average home insurance cost in Missouri is $2,350 per year. Rates range from $1,500 to $3,300 depending on home value, location, and coverage level.
Auto insurance in Missouri averages $1,800 per year for full coverage. The state minimum coverage is 25/50/25.
Missouri has moderate insurance costs, with home insurance at $2,350/yr and auto at $1,800/yr compared to national averages of $2,300 and $1,800 respectively.
Missouri requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.