Missouri Car Insurance Cost for 2021

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 $1,332 per year, which is around $111 per month. Missouri car insurance costs 12.5% less than the national average rate of $1,523.

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 – $1,272 per year ($106 per month)
  2. Toyota RAV4 compact SUV – $1,282 per year ($107 per month)
  3. Chevrolet Silverado pickup – $1,390 per year ($116 per month)
  4. Honda CR-V compact SUV – $1,002 per year ($84 per month)
  5. Nissan Rogue compact SUV – $1,198 per year ($100 per month)

Other top-selling vehicles in Missouri and their average annual car insurance cost include the Honda Accord at $1,286 per year, the Toyota Camry at $1,332, the Ford Edge at $1,060, and the Ford Explorer with an average cost of $1,320 per year.

The next chart takes the average rate for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Missouri zip codes.
Average Car Insurance Cost in Missouri
Average Car Insurance Cost in Missouri
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,246$187
$500$2,650$221
$250$3,072$256
30$1,000$1,178$98
$500$1,402$117
$250$1,638$137
40$1,000$1,128$94
$500$1,332$111
$250$1,548$129
50$1,000$1,026$86
$500$1,212$101
$250$1,406$117
60$1,000$1,010$84
$500$1,192$99
$250$1,384$115

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 $4,206 to $4,780 per year.

For 17 and 18-year-olds, expect rates between $3,968 to $4,466 per year for 17-year-olds and $3,618 to $4,170 per year for 18-year-old drivers.

Car insurance for a 19-year-old ranges from $3,354 to $3,772 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 22.4% less than Kentucky, 8.4% less than Arkansas, and  18.5% less than Oklahoma.

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

  • 32.9% more expensive than Iowa
  • 23.6% more expensive than Illinois
  • 6.2% more expensive than Tennessee
  • 1.1% more expensive than Kansas
  • 11% more expensive than Nebraska

The chart below shows how average auto insurance cost in Missouri compares to other Midwest U.S. states. Missouri ranks #10 out of 12 states in the Midwest region for cheapest car insurance rates. Only Minnesota and Michigan have higher average 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$1,002-$330
Ohio$1,024-$308
Illinois$1,078-$254
Indiana$1,102-$230
Wisconsin$1,104-$228
North Dakota$1,168-$164
Nebraska$1,200-$132
South Dakota$1,254-$78
Kansas$1,318-$14
Missouri$1,332--
Minnesota$1,346$14
Michigan$2,720$1,388

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 2.8% cheaper than Arizona, 20.8% cheaper than New York, 20.5% cheaper than California, 34.9% cheaper than Florida, and 9.5% cheaper than Texas.

Which vehicles are cheapest to insure in Missouri?

The top 50 cheapest vehicles to insure in Missouri starts with the Subaru Forester at an average insurance cost of $990 per year and ends with the Nissan Murano at $1,204 per year.

In between those two models, some of the other cheapest vehicles to insure are the Volkswagen Golf at $1,064 per year, the Mazda 6 at $1,236 per year, the Ford Edge at $1,060 per year, the JToyota Corolla at $1,156 per year, and the Subaru Outback at $1,130 per year.

The table below shows the full ranking for the top 50 cheapest vehicles to insure in Missouri from the 2021 model year.

Top 50 Cheapest Car Insurance Rates in Missouri
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$990$83
2Honda CR-V$1,002$84
3Ram Promaster City$1,040$87
4Mazda CX-3$1,048$87
5Toyota C-HR$1,054$88
6Kia Sportage$1,058$88
7Ford Edge$1,060$88
8Volkswagen Golf$1,064$89
9Mazda CX-5$1,074$90
10Subaru Crosstrek$1,086$91
11Chevrolet Spark$1,098$92
12Volvo XC40$1,100$92
13Hyundai Venue$1,106$92
14Volkswagen Atlas$1,116$93
15Subaru Impreza$1,118$93
16Hyundai Kona$1,120$93
17Kia Soul$1,120$93
18Kia Telluride$1,124$94
19Toyota Tacoma$1,124$94
20Chevrolet Blazer$1,128$94
21Jeep Compass$1,130$94
22Kia Sedona$1,130$94
23Subaru Outback$1,130$94
24Chevrolet Colorado$1,132$94
25Kia Rio5$1,132$94
26Mazda CX-30$1,132$94
27Honda Passport$1,134$95
28Nissan Kicks$1,134$95
29Mitsubishi Eclipse Cross$1,136$95
30Subaru Ascent$1,136$95
31Ford Escape$1,138$95
32Hyundai Tucson$1,138$95
33Nissan Frontier$1,146$96
34Acura RDX$1,150$96
35Volkswagen Tiguan$1,150$96
36Honda Pilot$1,152$96
37Toyota Corolla$1,156$96
38Ford Ecosport$1,158$97
39Buick Envision$1,164$97
40Kia Seltos$1,168$97
41Nissan Rogue Sport$1,176$98
42Chevrolet Trax$1,182$99
43Chevrolet Trailblazer$1,184$99
44Cadillac XT4$1,186$99
45Buick Encore$1,192$99
46Chevrolet Express$1,198$100
47Nissan Rogue$1,198$100
48Jeep Renegade$1,200$100
49Chevrolet Equinox$1,204$100
50Nissan Murano$1,204$100

    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.
    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 $1,272 per year and ranges from $1,056 to $2,882 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 2021 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.
    Ford F150 Insurance Cost in Missouri
    Ford F150 Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,882$240
    Safe Driver Age 20$2,524$210
    At-fault Accidents Age 40$1,794$150
    Low Deductibles Age 40$1,644$137
    Safe Driver Age 30$1,336$111
    Safe Driver Age 40$1,272$106
    Safe Driver Age 50$1,156$96
    Safe Driver Age 60$1,136$95
    High Deductibles Age 40$1,080$90
    Discount Rate Age 40$1,056$88

    Nissan Rogue insurance rates

    Nissan Rogue car insurance rates in Missouri range from $996 to $2,716 per year for the driver profiles in the chart below. Nissan Rogue insurance costs an average of $1,198 per year or $100 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 2021 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.
    Nissan Rogue Insurance Cost in Missouri
    Nissan Rogue Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,716$226
    Safe Driver Age 20$2,378$198
    At-fault Accidents Age 40$1,690$141
    Low Deductibles Age 40$1,560$130
    Safe Driver Age 30$1,264$105
    Safe Driver Age 40$1,198$100
    Safe Driver Age 50$1,092$91
    Safe Driver Age 60$1,072$89
    High Deductibles Age 40$1,012$84
    Discount Rate Age 40$996$83

    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 $960 to $2,598 per year for the example driver risk profiles, with average cost being $1,152 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 2021 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.
    Honda Pilot Insurance Cost in Missouri
    Honda Pilot Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,598$217
    Safe Driver Age 20$2,274$190
    At-fault Accidents Age 40$1,610$134
    Low Deductibles Age 40$1,522$127
    Safe Driver Age 30$1,220$102
    Safe Driver Age 40$1,152$96
    Safe Driver Age 50$1,046$87
    Safe Driver Age 60$1,030$86
    High Deductibles Age 40$962$80
    Discount Rate Age 40$960$80

    Chevrolet Tahoe insurance rates

    Average Chevrolet Tahoe insurance rates in Missouri as shown in the chart below range from $1,108 to $3,036 per year, with the average cost being $1,336.

    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 2021 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.
    Chevrolet Tahoe Insurance Cost in Missouri
    Chevrolet Tahoe Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,036$253
    Safe Driver Age 20$2,658$222
    At-fault Accidents Age 40$1,890$158
    Low Deductibles Age 40$1,732$144
    Safe Driver Age 30$1,404$117
    Safe Driver Age 40$1,336$111
    Safe Driver Age 50$1,218$102
    Safe Driver Age 60$1,194$100
    High Deductibles Age 40$1,134$95
    Discount Rate Age 40$1,108$92

    Toyota Supra insurance rates

    The average cost for Toyota Supra insurance in Missouri is $1,596 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,322 to $3,624 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.
    Toyota Supra Insurance Cost in Missouri
    Toyota Supra Insurance Cost in Missouri
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,624$302
    Safe Driver Age 20$3,172$264
    At-fault Accidents Age 40$2,244$187
    Low Deductibles Age 40$2,104$175
    Safe Driver Age 30$1,684$140
    Safe Driver Age 40$1,596$133
    Safe Driver Age 50$1,450$121
    Safe Driver Age 60$1,424$119
    High Deductibles Age 40$1,332$111
    Discount Rate Age 40$1,322$110

    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.