Missouri Car Insurance Cost for 2022

How much does car insurance cost in Missouri? We break down average rates by segment plus find the cheapest vehicles to insure in each.

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What is average car insurance cost in Missouri?

Ranking 24th out of 50 states, the average cost of car insurance in Missouri is $1,618 per year, which is around $135 per month. Missouri car insurance costs 3.3% less than the national average rate of $1,567.

Average annual and monthly car insurance rates in Missouri for the top five most popular vehicles in the state are shown below.

  1. Ford F-150 pickup – $1,564 per year ($130 per month)
  2. Toyota RAV4 compact SUV – $1,526 per year ($127 per month)
  3. Chevrolet Silverado pickup – $1,738 per year ($145 per month)
  4. Honda CR-V compact SUV – $1,414 per year ($118 per month)
  5. Nissan Rogue compact SUV – $1,584 per year ($132 per month)

Other top-selling vehicles in Missouri and their average annual car insurance cost include the Honda Accord at $1,688 per year, the Toyota Camry at $1,588, the Ford Edge at $1,456, and the Ford Explorer with an average cost of $1,520 per year.

The next chart takes the average rate for all 2022 model year vehicles and shows how changes in driver age and policy deductible level affects annual premium.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Missouri car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Missouri zip codes.Data last updated on September 8, 2022
Average Car Insurance Cost in Missouri
Average Car Insurance Cost in Missouri
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,724$227
$500$3,210$268
$250$3,720$310
30$1,000$1,430$119
$500$1,704$142
$250$1,986$166
40$1,000$1,366$114
$500$1,618$135
$250$1,878$157
50$1,000$1,248$104
$500$1,472$123
$250$1,706$142
60$1,000$1,224$102
$500$1,444$120
$250$1,674$140

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 $5,098 to $5,792 per year.

For 17 and 18-year-olds, expect rates between $4,812 to $5,408 per year for 17-year-olds and $4,380 to $5,050 per year for 18-year-old drivers.

Car insurance for a 19-year-old ranges from $4,062 to $4,568 per year.

Is car insurance expensive in Missouri?

When compared to neighboring states, Missouri car insurance rates are more expensive than all but Kentucky, Arkansas, and Oklahoma. Missourians can expect to pay around 8.7% less than Kentucky, 0.7% less than Arkansas, and  9.3% less than Oklahoma.

However, when looking at all the other surrounding states, average car insurance quotes in Missouri are:

  • 46.8% more expensive than Iowa
  • 31.3% more expensive than Illinois
  • 34.2% more expensive than Tennessee
  • 5.5% more expensive than Kansas
  • 11.1% more expensive than Nebraska

The chart below shows how average auto insurance cost in Missouri compares to other Midwest U.S. states. Missouri ranks #11 out of 12 states in the Midwest region for cheapest car insurance rates. Only Michigan has higher average rates.

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Missouri Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Missouri Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Ohio$888-$730
Wisconsin$1,034-$584
Iowa$1,102-$516
Indiana$1,138-$480
Illinois$1,232-$386
North Dakota$1,268-$350
Minnesota$1,338-$280
South Dakota$1,378-$240
Nebraska$1,456-$162
Kansas$1,534-$84
Missouri$1,618--
Michigan$2,424$806

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 19.3% cheaper than Arizona, 0.1% cheaper than New York, 7.2% cheaper than California, 27.4% cheaper than Florida, and 12.7% cheaper 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 Nissan Kicks, Mazda CX-5, and Toyota C-HR.

Average car insurance quotes for those models cost $1,346 or less per year, or $112 per month, for full coverage.

Some other vehicles that have affordable insurance quotes in our car insurance cost comparison are the Subaru Forester, Mazda MX-5 Miata, Hyundai Kona, and Kia Seltos.

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 $117 or less per month.

The table below shows the full ranking for the top 50 cheapest vehicles to insure in Missouri from the 2022 model year.

Top 50 Cheapest Car Insurance Rates in Missouri
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,230$103
2Nissan Kicks$1,260$105
3Chevrolet Trailblazer$1,268$106
4Honda Passport$1,298$108
5Subaru Crosstrek$1,300$108
6Toyota C-HR$1,328$111
7Chevrolet Colorado$1,332$111
8Buick Encore$1,336$111
9Nissan Rogue Sport$1,346$112
10Hyundai Venue$1,372$114
11Buick Envision$1,376$115
12Kia Seltos$1,376$115
13Ford Maverick$1,384$115
14Acura RDX$1,386$116
15Toyota Corolla Cross$1,386$116
16Subaru Ascent$1,388$116
17Hyundai Kona$1,394$116
18Subaru Forester$1,400$117
19Subaru Impreza$1,400$117
20Mazda MX-5 Miata$1,402$117
21Volkswagen Tiguan$1,402$117
22Chevrolet Spark$1,414$118
23Honda CR-V$1,414$118
24Cadillac XT4$1,422$119
25Mazda CX-30$1,430$119
26Ford Ranger$1,436$120
27Ford Edge$1,456$121
28Honda HR-V$1,456$121
29Ford Ecosport$1,464$122
30Subaru Outback$1,482$124
31Chevrolet Trax$1,484$124
32Acura ILX$1,486$124
33GMC Terrain$1,488$124
34Mitsubishi Eclipse Cross$1,490$124
35Nissan Murano$1,500$125
36Hyundai Tucson$1,502$125
37Toyota Tacoma$1,502$125
38Chevrolet Bolt$1,506$126
39Honda Odyssey$1,506$126
40Toyota Venza$1,510$126
41Chevrolet Equinox$1,512$126
42Volkswagen Taos$1,516$126
43Ford Explorer$1,520$127
44Fiat 500X$1,522$127
45Toyota RAV4$1,526$127
46Kia Sorento$1,530$128
47Kia Soul$1,534$128
48Nissan Frontier$1,542$129
49Hyundai Palisade$1,552$129
50Hyundai Santa Cruz$1,554$130

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Missouri.Data last updated on September 8, 2022
    Top 50 Cheapest Car Insurance Rates in Missouri

    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.

    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 $1,564 per year and ranges from $1,296 to $3,534 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Missouri includes all Zip Codes and vehicle trim levels.Data last updated on September 8, 2022
    Ford F150 Insurance Cost in Missouri
    Ford F150 Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,534$295
    Safe Driver Age 20$3,096$258
    At-fault Accidents Age 40$2,206$184
    Low Deductibles Age 40$2,018$168
    Safe Driver Age 30$1,644$137
    Safe Driver Age 40$1,564$130
    Safe Driver Age 50$1,424$119
    Safe Driver Age 60$1,396$116
    High Deductibles Age 40$1,328$111
    Discount Rate Age 40$1,296$108

    Nissan Rogue insurance rates

    Nissan Rogue car insurance rates in Missouri range from $1,312 to $3,594 per year for the driver profiles in the chart below. Nissan Rogue insurance costs an average of $1,584 per year or $132 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Missouri includes all Zip Codes and vehicle trim levels.Data last updated on September 8, 2022
    Nissan Rogue Insurance Cost in Missouri
    Nissan Rogue Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,594$300
    Safe Driver Age 20$3,148$262
    At-fault Accidents Age 40$2,240$187
    Low Deductibles Age 40$2,042$170
    Safe Driver Age 30$1,660$138
    Safe Driver Age 40$1,584$132
    Safe Driver Age 50$1,444$120
    Safe Driver Age 60$1,416$118
    High Deductibles Age 40$1,346$112
    Discount Rate Age 40$1,312$109

    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 $1,362 to $3,748 per year for the example driver risk profiles, with average cost being $1,638 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Missouri includes all Zip Codes and vehicle trim levels.Data last updated on September 8, 2022
    Honda Pilot Insurance Cost in Missouri
    Honda Pilot Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,748$312
    Safe Driver Age 20$3,278$273
    At-fault Accidents Age 40$2,316$193
    Low Deductibles Age 40$2,162$180
    Safe Driver Age 30$1,732$144
    Safe Driver Age 40$1,638$137
    Safe Driver Age 50$1,492$124
    Safe Driver Age 60$1,468$122
    High Deductibles Age 40$1,372$114
    Discount Rate Age 40$1,362$114

    Chevrolet Tahoe insurance rates

    Average Chevrolet Tahoe insurance rates in Missouri as shown in the chart below range from $1,348 to $3,692 per year, with the average cost being $1,622.

    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 .

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Chevrolet Tahoe with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Tahoe car insurance cost in Missouri includes all Zip Codes and vehicle trim levels.Data last updated on September 8, 2022
    Chevrolet Tahoe Insurance Cost in Missouri
    Chevrolet Tahoe Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,692$308
    Safe Driver Age 20$3,230$269
    At-fault Accidents Age 40$2,286$191
    Low Deductibles Age 40$2,136$178
    Safe Driver Age 30$1,716$143
    Safe Driver Age 40$1,622$135
    Safe Driver Age 50$1,476$123
    Safe Driver Age 60$1,450$121
    High Deductibles Age 40$1,358$113
    Discount Rate Age 40$1,348$112

    Toyota Supra insurance rates

    The average cost for Toyota Supra insurance in Missouri is $1,790 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,484 to $4,056 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Toyota Supra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Supra car insurance cost in Missouri includes all Zip Codes and vehicle trim levels.Data last updated on September 8, 2022
    Toyota Supra Insurance Cost in Missouri
    Toyota Supra Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,056$338
    Safe Driver Age 20$3,552$296
    At-fault Accidents Age 40$2,518$210
    Low Deductibles Age 40$2,338$195
    Safe Driver Age 30$1,888$157
    Safe Driver Age 40$1,790$149
    Safe Driver Age 50$1,630$136
    Safe Driver Age 60$1,598$133
    High Deductibles Age 40$1,508$126
    Discount Rate Age 40$1,484$124

    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.