- Average car insurance cost in Missouri is $1,990 per year, or about $166 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 $1,520 per year for the Subaru Crosstrek, $1,612 for the Kia Seltos, and $1,654 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 $1,990 per year, which is around $166 per month. Missouri car insurance costs 16.6% 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.
- Ford F-150 pickup – $2,024 per year ($169 per month)
- Toyota RAV4 compact SUV – $1,844 per year ($154 per month)
- Chevrolet Silverado pickup – $2,178 per year ($182 per month)
- Honda CR-V compact SUV – $1,686 per year ($141 per month)
- 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.
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 5.3% more than Kentucky, 7.5% more than Arkansas, and 2.1% more than Oklahoma.
When looking at some of the other surrounding states, average car insurance quotes in Missouri are:
- 51.1% more expensive than Iowa
- 25.1% more expensive than Illinois
- 17% more expensive than Tennessee
- 13.5% more expensive than Kansas
- 29.8% 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 20.6% more expensive than Arizona, 2.6% cheaper than New York, 7% cheaper than California, 9.8% cheaper than Florida, and 19.4% 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.
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.
- Subaru Impreza insurance – Cheapest compact car at $1,644 per year or $137 per month
- Chevrolet Trailblazer insurance – Cheapest compact SUV at $1,506 per year or $126 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,832 per year or $153 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,544 per year or $129 per month
- Chrysler 300 insurance – Cheapest full-size car at $1,942 per year or $162 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,864 per year or $155 per month
- Ford Maverick insurance – Cheapest midsize pickup at $1,654 per year or $138 per month
- Nissan Titan insurance – Cheapest full-size pickup at $1,970 per year or $164 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,040 per year or $170 per month
- Honda Odyssey insurance – Cheapest minivan at $1,818 per year or $152 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,838 per year or $153 per month
- Acura Integra insurance – Cheapest compact luxury car at $1,788 per year or $149 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,660 per year or $138 per month
- Cadillac CT5 insurance – Cheapest midsize luxury car at $2,142 per year or $179 per month
- Lexus RX 350 insurance – Cheapest midsize luxury SUV at $1,780 per year or $148 per month
- Audi A5 insurance – Cheapest full-size luxury car at $2,232 per year or $186 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $2,052 per year or $171 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 $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.
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.
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.
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 .
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.
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 - $2,114 per year or $176 per month
- St. Louis Car Insurance - $2,654 per year or $221 per month
- Springfield Car Insurance - $1,804 per year or $150 per month
- Independence Car Insurance - $1,994 per year or $166 per month
- Columbia Car Insurance - $1,780 per year or $148 per month
- O'Fallon Car Insurance - $2,026 per year or $169 per month
- St. Joseph Car Insurance - $1,980 per year or $165 per month
