Missouri Car Insurance Cost for 2023

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

Start a Free QuoteCompare Missouri car insurance quotes and save on your next policy.

What is average car insurance cost in Missouri?

Ranking 41st out of 50 states, the average cost of car insurance in Missouri is $1,990 per year, which is around $166 per month. Missouri car insurance costs 18.1% more than the national average rate of $1,685.

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 – $2,024 per year ($169 per month)
  2. Toyota RAV4 compact SUV – $1,844 per year ($154 per month)
  3. Chevrolet Silverado pickup – $2,178 per year ($182 per month)
  4. Honda CR-V compact SUV – $1,686 per year ($141 per month)
  5. Nissan Rogue compact SUV – $1,832 per year ($153 per month)

Other top-selling vehicles in Missouri and their average annual car insurance cost include the Honda Accord at $2,012 per year, the Toyota Camry at $1,890, the Ford Edge at $1,688, and the Ford Explorer with an average cost of $1,694 per year.

The next chart takes the average rate for all 2023 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 2023 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 December 30, 2022
Average Car Insurance Cost in Missouri
Average Car Insurance Cost in Missouri
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,354$280
$500$3,960$330
$250$4,602$384
30$1,000$1,758$147
$500$2,096$175
$250$2,450$204
40$1,000$1,680$140
$500$1,990$166
$250$2,314$193
50$1,000$1,534$128
$500$1,814$151
$250$2,106$176
60$1,000$1,502$125
$500$1,778$148
$250$2,064$172

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 $6,274 to $7,130 per year.

For 17 and 18-year-olds, expect rates between $5,926 to $6,666 per year for 17-year-olds and $5,404 to $6,228 per year for 18-year-old drivers.

Car insurance for a 19-year-old ranges from $5,012 to $5,636 per year.

Is car insurance expensive in Missouri?

When compared to neighboring states, Missourians can expect to pay around 5.4% more than Kentucky, 7.8% more than Arkansas, and  2.2% more than Oklahoma.

When looking at some of the other surrounding states, average car insurance quotes in Missouri are:

  • 68.6% more expensive than Iowa
  • 28.7% more expensive than Illinois
  • 18.6% more expensive than Tennessee
  • 14.5% more expensive than Kansas
  • 35% 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.

Get Rates in Your AreaWhy is this important?

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
Iowa$1,180-$810
Ohio$1,230-$760
Wisconsin$1,260-$730
Indiana$1,318-$672
North Dakota$1,462-$528
Nebraska$1,474-$516
Minnesota$1,512-$478
Illinois$1,546-$444
Kansas$1,738-$252
South Dakota$1,812-$178
Missouri$1,990--
Michigan$2,414$424

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 23% more expensive than Arizona, 2.5% cheaper than New York, 6.7% cheaper than California, 9.4% cheaper than Florida, and 21.5% 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 Subaru Crosstrek, Chevrolet Trailblazer, and Mazda CX-5.

Average car insurance quotes for those models cost $1,590 or less per year, or $133 per month, for full coverage.

Some other vehicles that have affordable insurance quotes in our car insurance cost comparison are the Subaru Forester, Ford Edge, Hyundai Kona, and Subaru Impreza.

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 $141 or less per month.

The table below shows the full ranking for the top 50 cheapest vehicles to insure in Missouri from the 2023 model year.

Top 50 Cheapest Car Insurance Rates in Missouri
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,506$126
2Subaru Crosstrek$1,520$127
3Nissan Kicks$1,526$127
4Honda Passport$1,544$129
5Nissan Rogue Sport$1,552$129
6Mazda CX-5$1,560$130
7Buick Encore$1,586$132
8Buick Envision$1,590$133
9Kia Seltos$1,612$134
10Subaru Ascent$1,616$135
11Hyundai Venue$1,624$135
12Subaru Impreza$1,644$137
13Ford Maverick$1,654$138
14Honda HR-V$1,654$138
15Chevrolet Colorado$1,658$138
16Acura RDX$1,660$138
17Hyundai Kona$1,670$139
18Subaru Forester$1,676$140
19Honda CR-V$1,686$141
20Ford Edge$1,688$141
21Mazda CX-30$1,692$141
22Ford Explorer$1,694$141
23Volkswagen Atlas$1,698$142
24Chevrolet Trax$1,708$142
25Nissan Murano$1,708$142
26Subaru Outback$1,714$143
27Nissan Frontier$1,720$143
28Volkswagen Tiguan$1,728$144
29Ford Bronco Sport$1,732$144
30Fiat 500X$1,764$147
31Ford Ranger$1,768$147
32GMC Terrain$1,770$148
33Kia Soul$1,770$148
34Mitsubishi Eclipse Cross$1,774$148
35Volkswagen Atlas Cross Sport$1,778$148
36Lexus RX 350$1,780$148
37Acura Integra$1,788$149
38Chevrolet Equinox$1,792$149
39Cadillac XT4$1,796$150
40Toyota Corolla Cross$1,796$150
41Volkswagen Taos$1,804$150
42GMC Canyon$1,808$151
43Toyota Venza$1,814$151
44Mazda CX-50$1,816$151
45Volkswagen Jetta$1,816$151
46Honda Odyssey$1,818$152
47Toyota Tacoma$1,818$152
48Hyundai Tucson$1,822$152
49Ford Escape$1,826$152
50Kia Sorento$1,826$152

    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 December 30, 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 $2,024 per year and ranges from $1,680 to $4,560 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 2023 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 December 30, 2022
    Ford F150 Insurance Cost in Missouri
    2023 Ford F150 Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,560$380
    Safe Driver Age 20$3,998$333
    At-fault Accidents Age 40$2,842$237
    Low Deductibles Age 40$2,632$219
    Safe Driver Age 30$2,132$178
    Safe Driver Age 40$2,024$169
    Safe Driver Age 50$1,838$153
    Safe Driver Age 60$1,806$151
    High Deductibles Age 40$1,708$142
    Discount Rate Age 40$1,680$140

    Nissan Rogue insurance rates

    Nissan Rogue car insurance rates in Missouri range from $1,518 to $4,154 per year for the driver profiles in the chart below. Nissan Rogue insurance costs an average of $1,832 per year or $153 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 2023 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 December 30, 2022
    Nissan Rogue Insurance Cost in Missouri
    2023 Nissan Rogue Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,154$346
    Safe Driver Age 20$3,638$303
    At-fault Accidents Age 40$2,588$216
    Low Deductibles Age 40$2,356$196
    Safe Driver Age 30$1,920$160
    Safe Driver Age 40$1,832$153
    Safe Driver Age 50$1,666$139
    Safe Driver Age 60$1,638$137
    High Deductibles Age 40$1,562$130
    Discount Rate Age 40$1,518$127

    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 $1,590 to $4,378 per year for the example driver risk profiles, with average cost being $1,916 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 2023 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 December 30, 2022
    Honda Pilot Insurance Cost in Missouri
    2023 Honda Pilot Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,378$365
    Safe Driver Age 20$3,832$319
    At-fault Accidents Age 40$2,704$225
    Low Deductibles Age 40$2,522$210
    Safe Driver Age 30$2,022$169
    Safe Driver Age 40$1,916$160
    Safe Driver Age 50$1,744$145
    Safe Driver Age 60$1,714$143
    High Deductibles Age 40$1,604$134
    Discount Rate Age 40$1,590$133

    Chevrolet Tahoe insurance rates

    Average Chevrolet Tahoe insurance rates in Missouri as shown in the chart below range from $1,550 to $4,222 per year, with the average cost being $1,864.

    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 2023 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 December 30, 2022
    Chevrolet Tahoe Insurance Cost in Missouri
    2023 Chevrolet Tahoe Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,222$352
    Safe Driver Age 20$3,700$308
    At-fault Accidents Age 40$2,620$218
    Low Deductibles Age 40$2,446$204
    Safe Driver Age 30$1,968$164
    Safe Driver Age 40$1,864$155
    Safe Driver Age 50$1,698$142
    Safe Driver Age 60$1,668$139
    High Deductibles Age 40$1,566$131
    Discount Rate Age 40$1,550$129

    Toyota Supra insurance rates

    The average cost for Toyota Supra insurance in Missouri is $2,076 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,720 to $4,708 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 December 30, 2022
    Toyota Supra Insurance Cost in Missouri
    2021 Toyota Supra Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,708$392
    Safe Driver Age 20$4,122$344
    At-fault Accidents Age 40$2,926$244
    Low Deductibles Age 40$2,706$226
    Safe Driver Age 30$2,188$182
    Safe Driver Age 40$2,076$173
    Safe Driver Age 50$1,890$158
    Safe Driver Age 60$1,856$155
    High Deductibles Age 40$1,752$146
    Discount Rate Age 40$1,720$143

    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.