The type of vehicle you own in Missouri can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Missouri for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Missouri
In Missouri, Volkswagen Tiguan and Honda CR-V have the cheapest car insurance rates, followed by Honda HR-V and Chevrolet Express, based on our research.
The table below highlights the most affordable vehicles to insure in Missouri, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $1,043 |
| Honda CR-V | $1,061 |
| Honda HR-V | $1,081 |
| Chevrolet Express | $1,098 |
| Hyundai Tucson | $1,116 |
| Hyundai Kona | $1,121 |
| Mini Cooper Electric | $1,144 |
| Subaru Impreza | $1,146 |
| Chevrolet Equinox | $1,151 |
| Mini Cooper Countryman JCW | $1,155 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Missouri
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Missouri
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,191. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,195, followed by Volkswagen Jetta, which costs $1,206 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Missouri and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,191 |
| Nissan Versa | $1,195 |
| Volkswagen Jetta | $1,206 |
| Kia Forte | $1,236 |
| Honda Civic Sedan | $1,240 |
| Nissan Sentra | $1,248 |
| Volkswagen Jetta GLI | $1,349 |
| Hyundai Elantra | $1,363 |
| Honda Accord | $1,363 |
| Nissan Altima | $1,396 |
| Toyota Camry | $1,399 |
| Toyota Corolla | $1,402 |
| Chevrolet Malibu | $1,461 |
| Mitsubishi Mirage G4 | $1,510 |
| Mazda 3 Sedan | $1,522 |
| Hyundai Sonata | $1,607 |
| Kia K5 | $1,620 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Missouri
In Missouri, the Volkswagen Tiguan and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,043 and $1,061 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $1,043 |
| Honda CR-V | $1,061 |
| Honda HR-V | $1,081 |
| Hyundai Tucson | $1,116 |
| Hyundai Kona | $1,121 |
| Chevrolet Equinox | $1,151 |
| Subaru Forester | $1,170 |
| Kia Sportage | $1,175 |
| Mazda CX-5 | $1,178 |
| Mini Cooper Countryman | $1,181 |
| Nissan Kicks | $1,188 |
| Honda Pilot | $1,190 |
| Toyota RAV4 | $1,194 |
| Volkswagen Taos | $1,204 |
| Nissan Murano | $1,236 |
| GMC Terrain | $1,238 |
| Volkswagen Atlas | $1,243 |
| Toyota Corolla Cross | $1,253 |
| Volkswagen Atlas Cross Sport | $1,272 |
| Subaru Crosstrek | $1,289 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Missouri
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Honda Civic Si stands out as one of the cheapest options on our list, with an average six-month premium of $1,246.
The table below compares car insurance rates for different sports cars in Missouri
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Honda Civic Si | $1,246 |
| Mazda MX-5 Miata | $1,396 |
| Chevrolet Camaro | $1,496 |
| Subaru BRZ | $1,626 |
| Ford Mustang | $1,746 |
| Subaru WRX | $1,823 |
| Toyota GR86 | $1,884 |
| Toyota GR Supra | $1,956 |
| Honda Civic Type R | $1,999 |
| Chevrolet Corvette | $2,019 |
| Porsche 718 Boxster | $2,083 |
| Chevrolet Camaro ZL1 | $2,088 |
| Toyota GR Corolla | $2,094 |
| BMW Z4 | $2,165 |
| Porsche 718 Cayman | $2,345 |
| Nissan Z | $2,377 |
| Chevrolet Corvette Z06 | $2,557 |
| Jaguar F-Type | $2,689 |
| Porsche 911 | $3,009 |
| Porsche 911 GT3 | $3,251 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Missouri
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,155, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Acura MDX at $1,307 and the Audi Q3 at $1,336.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,155 |
| Acura MDX | $1,307 |
| Audi Q3 | $1,336 |
| Mercedes-Benz GLA-Class | $1,336 |
| Cadillac XT4 | $1,337 |
| Cadillac XT5 | $1,406 |
| Land Rover Discovery Sport | $1,425 |
| Acura TLX | $1,437 |
| Volvo XC40 | $1,499 |
| Lincoln Corsair | $1,508 |
| Jaguar E-Pace | $1,511 |
| BMW X3 | $1,514 |
| Mercedes-Benz GLB-Class | $1,576 |
| Audi A3 | $1,611 |
| Porsche Macan | $1,616 |
| Mercedes-Benz CLA-Class | $1,621 |
| Audi Q5 | $1,651 |
| Acura Integra | $1,651 |
| Infiniti QX50 | $1,652 |
| Lexus RX | $1,661 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Missouri
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,938 annually, or $328 monthly.
The table below lists the most affordable EVs to insure in Missouri and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,144 |
| Nissan Leaf | $1,237 |
| Hyundai Kona Electric | $1,292 |
| Kia Niro EV | $1,367 |
| Volkswagen ID.4 | $1,369 |
| Subaru Solterra | $1,463 |
| Hyundai Ioniq 5 | $1,511 |
| Chevrolet Silverado EV | $1,596 |
| Audi Q4 e-tron | $1,658 |
| Ford F-150 Lightning | $1,671 |
| Chevrolet Blazer EV | $1,674 |
| Jaguar I-Pace | $1,678 |
| Toyota bZ4X | $1,686 |
| Ford Mustang Mach-E | $1,699 |
| Kia EV6 | $1,705 |
| Hyundai Ioniq 6 | $1,711 |
| Mercedes-Benz EQB | $1,821 |
| Volvo XC40 Recharge | $1,829 |
| Nissan Ariya | $1,859 |
| Cadillac LYRIQ | $1,909 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Missouri
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $3,051 to insure for an 18-year-old driver, whereas a Volkswagen Tiguan costs an average of $3,056 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Missouri?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $1,144, whereas the cost of insuring a Nissan Leaf is $1,237 for the same coverage.
Which SUVs are the cheapest to insure in Missouri?
With an average six-month full coverage premium of $1,043, the Volkswagen Tiguan is one of the least expensive SUVs to insure in Missouri. Honda CR-V and Honda HR-V also offer affordable premiums to Missouri drivers.
What are the cheapest cars to insure for teen drivers in Missouri?
The Honda CR-V, Volkswagen Tiguan, Subaru Forester and Mini Cooper Countryman JCW are among the most affordable cars to insure for 18-year-old drivers in Missouri. On the other hand, vehicles like the Mercedes-AMG EQS, Maserati Quattroporte and BMW M8 Gran Coupe come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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