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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with 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
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Honda Civic Si, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,246.
The table below highlights the average six-month full coverage cost of various sports cars.
| 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
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,938 annually, which breaks down to $328 monthly.
The table below highlights the most affordable EVs to insure in Missouri, including their average six-month full coverage premiums.
| 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
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,051 to insure a Honda CR-V, while insuring a Volkswagen Tiguan costs $3,056 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Missouri?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,144 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,237 for the Nissan Leaf for the same coverage.
Which SUVs are the cheapest to insure in Missouri?
In Missouri, insuring a Volkswagen Tiguan SUV costs about $1,043 for six months, making it one of the most affordable options. The Honda CR-V and Honda HR-V also have cheap car insurance rates.
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 some of the cheapest cars to insure for an 18-year-old driver in Missouri. On the other hand, Mercedes-AMG EQS, Maserati Quattroporte and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
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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