How Cities in Missouri Ranked Based on Car Insurance Costs

Companies can charge different rates for your policy just based on where you live. We looked at quotes for a sample male driver in over 70 cities in the state of Missouri to quantify this, and found that costs could differ by as much as 90% between the most expensive city (St. Louis, MO) and the most affordable place (Bethany, MO). While our sample driver's results indicate his policy in the state to cost on average $484, annually, that 90% range meant a difference of $342 from the two locations.

Five Least Expensive Places
Five Most Expensive Places
Full List of Cities Studied
How We Conducted the Study

Least Expensive Places

The five least expensive cities we found for our sample driver were spread out across the Western half of Missouri. Our profiled driver saw rates that were 17-21% lower compared to his Missouri state average in these places. The graph below shows the city standings and how much our driver’s average annual rates were lower than the state average.

Cities with Lowest Car Insurance Rates in Missouri

Bethany, MO

In Bethany, our driver found quotes that were 21%, or $103, lower than the state’s average. This ranked Bethany as the best city out of the more than 70 cities our study evaluated. Bethany’s population grew with greater usage of Interstate 35; the city is currently home to over 3,000 residents.

Brookfield, MO

The city of Brookfield has many annual festivities, including Summer Fun Days, a celebration of the start of the summer season. Brookfield’s population of over 4,000 is spread across 4 square miles of land, making it one of the more densely populated cities in Missouri. The quotes we obtained for our profiled driver here were also about 21% below the state average, meaning that he could pay $101 less than the Missouri mean. 

Maryville, MO

In Maryville, our motorist saw rates that were 19% lower than the state’s average, which translated into a difference of $91 in terms of dollars. Maryville was named after the county clerk’s wife, Mary Graham, when the town was founded. Today, this city is home to 12,000 residents, who are connected by U.S. Route 71 and US. Route 136. 

Chillicothe, MO

Chillicothe means “big town” in Shawnee, and is the county seat of Livingston County, MO. Home to over 9,000 residents, this town is spread over 7 square miles of land and slightly more densely populated than Brookfield. Our sample driver in “The Home of Sliced Bread” found quotes that were 17% less than the Missouri mean, translating to a premium difference of $84 a year.

Ozark, MO

Rounding out our least expensive Missouri cities for car insurance is Ozark. Among these five cities, Ozark had the highest population at over 18,000. Auto insurance costs here were 17% lower than the state average, meaning that our driver saw annual rates that were $84 less than the Missouri mean. 

Most Expensive Places

The five most expensive cities we found for our driver were mostly located in the Eastern half of the state, with the exception of Kansas City. These cities are all larger in population compared to our list of most affordable cities. For our sample motorist, costs were 29-49% above the state’s average when living in these cities. The graph below depicts the cities with their average annual rate as well as how much it differs from the state average.

Cities with Highest Car Insurance Rates in Missouri

St. Louis, MO

Saint Louis is one of the largest cities in the state and is known for its 630 feet tall Gateway Arch. It is also the second most densely populated city among our 10 featured cities. Its economy largely depends on service, tourism, and manufacturing. Here, our driver saw rates that were 49% higher, or $239 more, than the state mean in our study.

Spanish Lake, MO

Originally named Spanish Pond, Spanish Lake is home to 20,000 residents. Living here meant policy premiums that were 37% higher for our benchmark driver compared to the Missouri state average. For him, that was a difference of $178 a year. 

Ferguson, MO

Ferguson was founded by William B. Ferguson and is now home to 21,000 residents. Our profiled driver received quotes that were 36% higher than the state average here. This translated into a higher cost of $175 than if he had been living in the typical city or town in Missouri. 

University City, MO

The Olive Link boasts a diversity of international restaurants and businesses for University City's 35,000 residents to dine and shop at. It is the most densely populated city among the 10 cities we featured, and was founded by a magazine publisher in the early 1900s. We found coverage here to cost about 30% above the state average for our example driver, which meant a cost difference of $143.

Kansas City, MO

K.C. rounds out our list of most expensive Missouri cities for car insurance. Home to around 480,000, Kansas City is the largest city in the state of Missouri. In the “City of Fountains”, our sample driver received quotes that were 29%, or $139, higher than his statewide average.

How Costs Differ in Missouri by Place

We looked at 78 cities and found the average cost to be about $484 statewide for our sample driver. Depending on where he lived in the Show Me State, however, quotes could range anywhere between being 21% lower and 49% higher than the statewide benchmark. Below is a table of all the cities we have studied, ranked from the least to the most expensive:

RankCityAverage% Rate Difference / State Average
1 Bethany $381 -21%
2 Brookfield 383 -21%
3 Maryville 393 -19%
4 Chillicothe 400 -17%
5 Ozark 400 -17%
6 Marshall 401 -17%
7 Hannibal 407 -16%
8 Fulton 408 -16%
9 Nevada 410 -15%
10 Kirksville 411 -15%
11 Louisiana 412 -15%
12 Cabool 416 -14%
13 Moberly 416 -14%
14 Mexico 418 -14%
15 Clinton 419 -13%
16 Jefferson City 421 -13%
17 Rolla 424 -12%
18 Buffalo 424 -12%
19 Monett 428 -12%
20 Neosho 430 -11%
21 Warrensburg 431 -11%
22 Dexter 437 -10%
23 Marshfield 438 -10%
24 Fort Leonard Wood 441 -9%
25 West Plains 441 -9%
26 Bolivar 442 -9%
27 Osage Beach 442 -9%
28 Perryville 443 -8%
29 Sullivan 443 -8%
30 Sedalia 444 -8%
31 Garrison 448 -7%
32 Harrisonville 448 -7%
33 Troy 450 -7%
34 Nixa 457 -6%
35 Columbia 459 -5%
36 Excelsior Springs 459 -5%
37 St. Joseph 461 -5%
38 Farmington 462 -4%
39 Carthage 465 -4%
40 Cape Girardeau 465 -4%
41 Kennett 467 -3%
42 Raymore 469 -3%
43 Belton 472 -2%
44 Lee's Summit 474 -2%
45 Republic 476 -2%
46 Poplar Bluff 478 -1%
47 Joplin 479 -1%
48 Liberty 486 0%
49 Union 487 1%
50 Wentzville 492 2%
51 Blue Springs 493 2%
52 Gladstone 496 3%
53 O'Fallon 505 4%
54 St. Peters 508 5%
55 St. Charles 510 5%
56 De Soto 519 7%
57 Grandview 531 10%
58 Springfield 531 10%
59 Independence 534 10%
60 Kirkwood 536 11%
61 Ballwin 537 11%
62 Raytown 541 12%
63 Maryland Heights 544 13%
64 Webster Groves 546 13%
65 Creve Coeur 548 13%
66 Wildwood 551 14%
67 Chesterfield 551 14%
68 Arnold 556 15%
69 Oakville 564 17%
70 Affton 567 17%
71 Florissant 604 25%
72 Hazelwood 604 25%
73 Old Jamestown 615 27%
74 Kansas City 623 29%
75 University City 627 30%
76 Ferguson 659 36%
77 Spanish Lake 662 37%
78 St. Louis 723 49%

How We Conducted the Study & Minimum Coverage Requirements

By collecting 1,482 auto insurance rates from 19 Missouri car insurance carriers across the state for a single 30 year old male, we were able to perform this study. All the dollar amounts in this study refer to annual rates. For the purpose of the study, we kept all things constant except where he lived. In all cases, he drove a 2011 Toyota Camry that he used for commuting to and from work. The coverage used was the state’s minimum requirements to obtain quotes for our driver.

Coverage TypeState Required LimitsStudy Limits
Bodily Injury Liability (BI) $25,000 per person / $50,000 per accident $25,000 per person / $50,000 per accident
Property Damage $10,000 per accident $10,000 per accident
Uninsured Motorist BI $25,000 per person / $50,000 per accident $25,000 per person / $50,000 per accident

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