Average Car, Home & Renters Insurance Cost in Missouri (2026)
These are estimated annual averages for Missouri, drawn from published rate studies. They describe a typical profile — not your policy, and not a price you have been offered.
Missouri at a glance
| Coverage | Estimated annual average | Rank of 51 | Assumes |
|---|---|---|---|
| Car insurance (liability + comp & collision) | $2,767/yr | #39 of 51 | Full coverage: liability + comprehensive + collision |
| Car insurance (state-minimum liability only) | $750/yr | #35 of 51 | State-required minimum liability limits only |
| Home insurance | $3,979/yr | #43 of 51 | $300K dwelling · $300K liability · $1K deductible |
| Renters insurance | $167/yr | #38 of 51 | $30K personal property · $100K liability · $500 deductible |
Estimates derived from public rate data, NerdWallet, 2026 (powered by Quadrant Information Services). Not a quote — your rate will differ. (car insurance)
Estimates derived from public rate data, Insurance.com, 2026. Not a quote — your rate will differ. (home)
Estimates derived from public rate data, NerdWallet, 2026. Not a quote — your rate will differ. (renters)
Rank 1 is the lowest estimated average of the 50 states and the District of Columbia.
How Missouri compares with the national average
- Full-coverage car insurance runs about 18% above the national average of $2,339.
- Home insurance runs about 56% above the national average of $2,543.
- Renters insurance runs about 11% above the national average of $151.
How Missouri compares with neighbouring states
| State | Car (full) | Home | Renters |
|---|---|---|---|
| Missouri | $2,767 | $3,979 | $167 |
| Arkansas | $2,642 | $3,733 | $178 |
| Illinois | $2,510 | $2,643 | $156 |
| Iowa | $2,217 | $2,902 | $125 |
| Kansas | $2,565 | $5,260 | $174 |
Notes on these figures
- Renters figures assume $30K personal property · $100K liability · $500 deductible.
See where you sit
Run the interactive version for Missouri with your line, age band and coverage level — or scan your declarations page and we'll compare your actual premium against these averages.
Open The Going RateNearby states
See every state in the State Guides, or read how CoverageCard grades a policy. Terms used on this page are explained in the Insurance Glossary.