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.

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What is average car insurance cost in Missouri?

Ranking 41st out of 50 states, the average cost of car insurance in Missouri is $2,030 per year, which is around $169 per month. Missouri car insurance costs 16.1% more than the national average rate of $1,728.

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 – $2,060 per year ($172 per month)
  2. Toyota RAV4 compact SUV – $1,880 per year ($157 per month)
  3. Chevrolet Silverado pickup – $2,220 per year ($185 per month)
  4. Honda CR-V compact SUV – $1,722 per year ($144 per month)
  5. Nissan Rogue compact SUV – $1,866 per year ($156 per month)

Other top-selling vehicles in Missouri and their average annual car insurance cost include the Honda Accord at $2,052 per year, the Toyota Camry at $1,928, the Ford Edge at $1,720, and the Ford Explorer with an average cost of $1,730 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 August 12, 2023
Average Car Insurance Cost in Missouri
Average Car Insurance Cost in Missouri
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,416$285
$500$4,036$336
$250$4,688$391
30$1,000$1,790$149
$500$2,136$178
$250$2,498$208
40$1,000$1,712$143
$500$2,030$169
$250$2,362$197
50$1,000$1,562$130
$500$1,848$154
$250$2,146$179
60$1,000$1,534$128
$500$1,814$151
$250$2,106$176

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 $6,396 to $7,268 per year.

For 17 and 18-year-olds, expect rates between $6,040 to $6,794 per year for 17-year-olds and $5,506 to $6,346 per year for 18-year-old drivers.

Car insurance for a 19-year-old ranges from $5,110 to $5,746 per year.

Is car insurance expensive in Missouri?

When compared to neighboring states, Missourians can expect to pay around 5.2% more than Kentucky, 7.4% more than Arkansas, and  2.3% more than Oklahoma.

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

  • 50% more expensive than Iowa
  • 24.6% more expensive than Illinois
  • 16.6% more expensive than Tennessee
  • 13.3% more expensive than Kansas
  • 29.2% 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.

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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
Iowa$1,218-$812
Ohio$1,268-$762
Wisconsin$1,298-$732
Indiana$1,356-$674
North Dakota$1,500-$530
Nebraska$1,512-$518
Minnesota$1,552-$478
Illinois$1,586-$444
Kansas$1,776-$254
South Dakota$1,852-$178
Missouri$2,030--
Michigan$2,438$408

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 20.3% more expensive than Arizona, 2.6% cheaper than New York, 6.8% cheaper than California, 9.2% cheaper than Florida, and 19.1% 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 $1,622 or less per year, or $135 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 $144 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$1,536$128
2Subaru Crosstrek$1,550$129
3Nissan Kicks$1,558$130
4Honda Passport$1,578$132
5Nissan Rogue Sport$1,584$132
6Mazda CX-5$1,596$133
7Buick Encore$1,618$135
8Buick Envision$1,622$135
9Kia Seltos$1,646$137
10Subaru Ascent$1,650$138
11Hyundai Venue$1,654$138
12Subaru Impreza$1,678$140
13Ford Maverick$1,684$140
14Honda HR-V$1,688$141
15Chevrolet Colorado$1,690$141
16Acura RDX$1,692$141
17Hyundai Kona$1,702$142
18Subaru Forester$1,712$143
19Ford Edge$1,720$143
20Honda CR-V$1,722$144
21Mazda CX-30$1,726$144
22Ford Explorer$1,730$144
23Volkswagen Atlas$1,732$144
24Chevrolet Trax$1,744$145
25Nissan Murano$1,744$145
26Subaru Outback$1,746$146
27Nissan Frontier$1,752$146
28Volkswagen Tiguan$1,764$147
29Ford Bronco Sport$1,768$147
30Fiat 500X$1,796$150
31Ford Ranger$1,800$150
32GMC Terrain$1,804$150
33Kia Soul$1,804$150
34Mitsubishi Eclipse Cross$1,810$151
35Volkswagen Atlas Cross Sport$1,812$151
36Lexus RX 350$1,816$151
37Acura Integra$1,822$152
38Chevrolet Equinox$1,824$152
39Cadillac XT4$1,832$153
40Toyota Corolla Cross$1,832$153
41Volkswagen Taos$1,838$153
42GMC Canyon$1,842$154
43Toyota Venza$1,850$154
44Mazda CX-50$1,852$154
45Toyota Tacoma$1,854$155
46Volkswagen Jetta$1,854$155
47Honda Odyssey$1,856$155
48Hyundai Tucson$1,856$155
49Ford Escape$1,860$155
50Kia Sorento$1,862$155

    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 August 12, 2023
    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 $2,060 per year and ranges from $1,712 to $4,652 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 August 11, 2023
    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$4,652$388
    Safe Driver Age 20$4,076$340
    At-fault Accidents Age 40$2,896$241
    Low Deductibles Age 40$2,682$224
    Safe Driver Age 30$2,174$181
    Safe Driver Age 40$2,060$172
    Safe Driver Age 50$1,876$156
    Safe Driver Age 60$1,840$153
    High Deductibles Age 40$1,738$145
    Discount Rate Age 40$1,712$143

    Nissan Rogue insurance rates

    Nissan Rogue car insurance rates in Missouri range from $1,552 to $4,232 per year for the driver profiles in the chart below. Nissan Rogue insurance costs an average of $1,866 per year or $156 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 August 11, 2023
    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$4,232$353
    Safe Driver Age 20$3,708$309
    At-fault Accidents Age 40$2,638$220
    Low Deductibles Age 40$2,400$200
    Safe Driver Age 30$1,956$163
    Safe Driver Age 40$1,866$156
    Safe Driver Age 50$1,700$142
    Safe Driver Age 60$1,668$139
    High Deductibles Age 40$1,588$132
    Discount Rate Age 40$1,552$129

    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 $1,622 to $4,460 per year for the example driver risk profiles, with average cost being $1,952 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 August 12, 2023
    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$4,460$372
    Safe Driver Age 20$3,906$326
    At-fault Accidents Age 40$2,756$230
    Low Deductibles Age 40$2,572$214
    Safe Driver Age 30$2,062$172
    Safe Driver Age 40$1,952$163
    Safe Driver Age 50$1,780$148
    Safe Driver Age 60$1,752$146
    High Deductibles Age 40$1,638$137
    Discount Rate Age 40$1,622$135

    Chevrolet Tahoe insurance rates

    Average Chevrolet Tahoe insurance rates in Missouri as shown in the chart below range from $1,582 to $4,304 per year, with the average cost being $1,902.

    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 August 12, 2023
    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$4,304$359
    Safe Driver Age 20$3,770$314
    At-fault Accidents Age 40$2,670$223
    Low Deductibles Age 40$2,494$208
    Safe Driver Age 30$2,008$167
    Safe Driver Age 40$1,902$159
    Safe Driver Age 50$1,730$144
    Safe Driver Age 60$1,700$142
    High Deductibles Age 40$1,596$133
    Discount Rate Age 40$1,582$132

    Toyota Supra insurance rates

    The average cost for Toyota Supra insurance in Missouri is $2,116 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,758 to $4,798 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 August 11, 2023
    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$4,798$400
    Safe Driver Age 20$4,202$350
    At-fault Accidents Age 40$2,982$249
    Low Deductibles Age 40$2,756$230
    Safe Driver Age 30$2,230$186
    Safe Driver Age 40$2,116$176
    Safe Driver Age 50$1,926$161
    Safe Driver Age 60$1,890$158
    High Deductibles Age 40$1,784$149
    Discount Rate Age 40$1,758$147

    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.