Missouri auto insurance averages - $1,154.92 per year in 2023, ranked #22 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Missouri's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,154.92 ▲15.1% | $614 |
| 2022 | $1,003.63 ▲7.7% | $547 |
| 2021 | $931.82 ▲2.5% | $514 |
| 2020 | $909.39 ▼2.6% | $510 |
| 2019 | $933.54 | $530 |
Evidence lead: Five-year movement
Missouri's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Missouri's average expenditure posted a +23.7% increase from 2019 through 2023, ranking #6 of 51 for five-year movement. This is among the fastest changes in the state set. It describes the endpoints of the series and does not assign a cause to the movement.
Year-by-year shape
Missouri's only decline is a shallow -2.6% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +15.1%, and the latest step is +15.1%. This is a rising series with one flat spot, not a genuine reversal.
Coverage-component signature
Missouri's most distinctive 2023 component is comprehensive: $307.96, or 23.7% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Missouri's $1,154.92 average expenditure places it #22 of 51, in the broad middle of the reported jurisdictions. A middle rank does not mean every coverage component is typical: liability, collision, and comprehensive averages can occupy different positions even when the blended expenditure lands near the center.
Substantial registry context
Missouri's separate complaint layer covers 48 companies with 6,767 recorded complaints. That is #22 for company breadth and #22 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Missouri's closest peers in this dataset are Pennsylvania ($1,154.63) and Illinois ($1,153.05), both within a few dollars of Missouri's own $1,154.92.
Note on state comparisons: These averages reflect the mix of coverages purchased in Missouri, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
