- Average car insurance cost in Missouri is $2,698 per year, or about $225 per month.
- Missouri ranks 11th out of 12 Midwest states for cheapest auto insurance and ranks 41st out of all 50 states.
- Some of the cheaper Missouri car insurance rates are $1,994 per year for the Subaru Crosstrek, $2,412 for the Kia Seltos, and $2,618 for the Ford Maverick.
What is average car insurance cost in Missouri?
Ranking 41st out of 50 states, the average cost of car insurance in Missouri is $2,698 per year, which is around $225 per month. Missouri car insurance costs 19.4% more than the national average rate of $2,221.
Average annual and monthly car insurance rates in Missouri for the top five most popular vehicles in the state are shown below.
- Ford F-150 pickup – $3,018 per year ($252 per month)
- Toyota RAV4 compact SUV – $2,490 per year ($208 per month)
- Chevrolet Silverado pickup – $2,986 per year ($249 per month)
- Honda CR-V compact SUV – $2,300 per year ($192 per month)
- Nissan Rogue compact SUV – $2,426 per year ($202 per month)
Other top-selling vehicles in Missouri and their average annual car insurance cost include the Honda Accord at $2,606 per year, the Toyota Camry at $2,900, the Ford Edge at $2,550, and the Ford Explorer with an average cost of $2,448 per year.
The next chart takes the average rate for all 2024 model year vehicles and shows how changes in driver age and policy deductible level affects annual premium.
Missouri car insurance quotes for teenage drivers (age 16 to 19) are not shown above, but expect a much higher cost for that age group.
Average car insurance for 16-year-olds in Missouri ranges from $8,978 to $9,612 per year.
For 17 and 18-year-olds, expect rates between $8,923 to $9,312 per year for 17-year-olds and $7,701 to $8,345 per year for 18-year-old drivers.
Car insurance for a 19-year-old ranges from $6,425 to $7,600 per year.
Is car insurance expensive in Missouri?
When compared to neighboring states, Missourians can expect to pay around 3.7% more than Kentucky, 5.4% more than Arkansas, and 1.5% more than Oklahoma.
When looking at some of the other surrounding states, average car insurance quotes in Missouri are:
- 34.8% more expensive than Iowa
- 17.6% more expensive than Illinois
- 12% more expensive than Tennessee
- 9.6% more expensive than Kansas
- 20.9% more expensive than Nebraska
The chart below shows how average auto insurance cost in Missouri compares to other Midwest U.S. states. Missouri ranks 11th out of 12 states in the Midwest region for cheapest car insurance rates.
When compared to states in other parts of the country, Missouri car insurance cost doesn’t seem quite as expensive as when compared to just the Midwest region. The average cost in Missouri is 14.7% more expensive than Arizona, 2% cheaper than New York, 5.2% cheaper than California, 2.1% cheaper than Florida, and 13.8% more expensive than Texas.
Which vehicles are cheapest to insure in Missouri?
When all car, SUV, and pickup insurance rates are compared, the models with the most affordable insurance prices in Missouri, tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision.
Average car insurance quotes for those models cost $2,192 or less per year, or $183 per month, for full coverage.
Some other vehicles that have affordable insurance quotes in our car insurance cost comparison are the Volkswagen Taos, Kia Niro, Buick Envista, and Acura RDX.
The average rates are marginally higher for those models than the cheapest compact SUVs at the top of the list, but they still have an average insurance cost of $196 or less per month.
The table below shows the full ranking for the top 50 cheapest vehicles to insure in Missouri from the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,994 | $166 |
| 2 | Chevrolet Trailblazer | $2,028 | $169 |
| 3 | Kia Soul | $2,106 | $176 |
| 4 | Nissan Kicks | $2,124 | $177 |
| 5 | Honda Passport | $2,148 | $179 |
| 6 | Buick Envision | $2,162 | $180 |
| 7 | Toyota Corolla Cross | $2,172 | $181 |
| 8 | Hyundai Venue | $2,192 | $183 |
| 9 | Mazda CX-5 | $2,200 | $183 |
| 10 | Ford Bronco Sport | $2,210 | $184 |
| 11 | Volkswagen Tiguan | $2,232 | $186 |
| 12 | Acura RDX | $2,256 | $188 |
| 13 | Nissan Murano | $2,266 | $189 |
| 14 | Buick Encore | $2,290 | $191 |
| 15 | Subaru Outback | $2,298 | $192 |
| 16 | Honda CR-V | $2,300 | $192 |
| 17 | Buick Envista | $2,308 | $192 |
| 18 | Volkswagen Taos | $2,312 | $193 |
| 19 | Kia Niro | $2,322 | $194 |
| 20 | Toyota GR Corolla | $2,344 | $195 |
| 21 | Subaru Ascent | $2,348 | $196 |
| 22 | Honda HR-V | $2,350 | $196 |
| 23 | Nissan Leaf | $2,366 | $197 |
| 24 | Chevrolet Colorado | $2,376 | $198 |
| 25 | Honda Civic | $2,388 | $199 |
| 26 | Lexus NX 250 | $2,388 | $199 |
| 27 | Volkswagen Atlas | $2,392 | $199 |
| 28 | Acura Integra | $2,400 | $200 |
| 29 | Subaru Forester | $2,402 | $200 |
| 30 | Volkswagen Atlas Cross Sport | $2,404 | $200 |
| 31 | Kia Seltos | $2,412 | $201 |
| 32 | GMC Terrain | $2,416 | $201 |
| 33 | Nissan Rogue | $2,426 | $202 |
| 34 | Hyundai Kona | $2,430 | $203 |
| 35 | Mazda CX-30 | $2,434 | $203 |
| 36 | Cadillac XT4 | $2,436 | $203 |
| 37 | Volkswagen ID4 | $2,446 | $204 |
| 38 | Ford Explorer | $2,448 | $204 |
| 39 | Toyota Highlander | $2,454 | $205 |
| 40 | Ford Escape | $2,462 | $205 |
| 41 | Toyota Venza | $2,462 | $205 |
| 42 | Honda Odyssey | $2,466 | $206 |
| 43 | Nissan Sentra | $2,474 | $206 |
| 44 | Subaru Impreza | $2,482 | $207 |
| 45 | Chevrolet Equinox | $2,486 | $207 |
| 46 | Toyota RAV4 | $2,490 | $208 |
| 47 | Mazda MX-5 Miata | $2,496 | $208 |
| 48 | Mazda MX-30 | $2,504 | $209 |
| 49 | Hyundai Tucson | $2,506 | $209 |
| 50 | Chevrolet Traverse | $2,520 | $210 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Missouri Zip Codes. Updated June 26, 2025
Cheapest car insurance rates by vehicle segment
Sometimes when shopping for a new or used vehicle, it’s nice to know which models have the cheapest car insurance rates in a particular segment. The list below breaks out the one model for each segment that has the cheapest car insurance cost, both annual and monthly.
- Toyota GR Corolla insurance – Cheapest compact car at $2,344 per year or $195 per month
- Subaru Crosstrek insurance – Cheapest compact SUV at $1,994 per year or $166 per month
- Kia K5 insurance – Cheapest midsize car at $2,602 per year or $217 per month
- Honda Passport insurance – Cheapest midsize SUV at $2,148 per year or $179 per month
- Chrysler 300 insurance – Cheapest full-size car at $2,570 per year or $214 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $2,532 per year or $211 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $2,376 per year or $198 per month
- Nissan Titan insurance – Cheapest full-size pickup at $2,526 per year or $211 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,746 per year or $229 per month
- Honda Odyssey insurance – Cheapest minivan at $2,466 per year or $206 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $2,496 per year or $208 per month
- Acura Integra insurance – Cheapest compact luxury car at $2,400 per year or $200 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $2,256 per year or $188 per month
- Mercedes-Benz CLA250 insurance – Cheapest midsize luxury car at $2,774 per year or $231 per month
- Jaguar E-Pace insurance – Cheapest midsize luxury SUV at $2,522 per year or $210 per month
- Audi A5 insurance – Cheapest full-size luxury car at $3,204 per year or $267 per month
- Infiniti QX80 insurance – Cheapest full-size luxury SUV at $3,026 per year or $252 per month
Average insurance rates for popular vehicles in Missouri
Average rates are nice for comparisons between models, but there are much more detailed rates available. If you view any of our car insurance guides for individual models, you’ll find rate comparisons down to the trim level.
The charts below don’t take it quite that far, but they do break out rates for some different scenarios such as high-risk drivers, rates for younger and older drivers, and different policy deductibles.
We chose five of the most popular vehicles in Missouri in order to give a more detailed look into how variable car insurance rates can be based on different rating criteria.
Ford F150 insurance rates
Ford F150 insurance in Missouri costs an average of $3,018 per year and ranges from $2,504 to $6,974 per year for the sample driver risk profiles shown in the chart below.
The Ford F150 is considered a full-size truck, and other popular models include the Chevrolet Silverado, Toyota Tundra, GMC Sierra, Ram Truck, and Nissan Titan.
Nissan Rogue insurance rates
Nissan Rogue car insurance rates in Missouri range from $2,014 to $5,542 per year for the driver profiles in the chart below. Nissan Rogue insurance costs an average of $2,426 per year or $202 per month in Missouri.
The Nissan Rogue belongs to the compact SUV segment, and other popular models include the Subaru Forester, Mazda CX-5, Toyota RAV4, Ford Escape, and Honda CR-V.
Honda Pilot insurance rates
The chart below shows average Honda Pilot insurance rates in Missouri for different driver ages and risk profiles. Annual cost ranges from $2,182 to $6,074 per year for the example driver risk profiles, with average cost being $2,626 per year.
The Honda Pilot is a midsize SUV and other similar models include the Kia Telluride, Ford Explorer, Toyota Highlander, Jeep Grand Cherokee, and Ford Edge.
Chevrolet Tahoe insurance rates
Average Chevrolet Tahoe insurance rates in Missouri as shown in the chart below range from $2,106 to $5,802 per year, with the average cost being $2,532.
The Chevrolet Tahoe is considered a large SUV, and other models in this segment include the GMC Yukon, Chevrolet Suburban, Toyota Sequoia, Ford Expedition, and .
Toyota Supra insurance rates
The average cost for Toyota Supra insurance in Missouri is $2,946 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,276 to $6,298 per year.
The Toyota Supra is a sports car and other vehicles in this segment include the Chevrolet Camaro, Chevrolet Corvette, Subaru BRZ, Nissan 370Z, and Ford Mustang.
Average insurance rates in large Missouri cities
Listed below are average auto insurance rates for some of the larger cities in the state of Missouri. Visit any page to view detailed rate information, including the cheapest vehicles to insure and cost comparisons by automotive segment.
- Kansas City Car Insurance - $2,822 per year or $235 per month
- St. Louis Car Insurance - $3,354 per year or $280 per month
- Springfield Car Insurance - $2,518 per year or $210 per month
- Independence Car Insurance - $2,704 per year or $225 per month
- Columbia Car Insurance - $2,490 per year or $208 per month
- O'Fallon Car Insurance - $2,728 per year or $227 per month
- St. Joseph Car Insurance - $2,690 per year or $224 per month