What Used Cars are the Cheapest to Insure in Missouri?
Want to know the cheapest pre-owned vehicle to insure in Missouri? We researched insurance quotes in the state to save you the effort!
This article covers insurance basics for the state of Missouri and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!
Missouri Cheapest Used Cars to Insure
We compared the full coverage and liability-only insurance rates of 45 vehicles from 2021-2022 in the state of Missouri to obtain the best rates. We used a Missouri-based address and an insurance quote generator to find the cheapest-to-insure vehicles.
Here are the cheapest used cars to insure in Missouri state:
1. 2021 XC40 by Volvo
The Volvo XC40 is the cheapest car to insure in Missouri. The average cost of a full coverage policy is $84.04 per month, which is less than the state’s average of $161.92 per month. A liability-only policy is $45.52 per month, which is slightly higher than the state’s average of $40.83 per month.
This turbocharged smaller sedan is an Insurance Institute Highway Safety (IIHS) Top Safety Pick+ award recipient. The spacious cabin is well-connected and practical, perfect for families who want a reliable vehicle.
The Volvo XC40 is also an efficient choice, with the U.S. Department of Energy rating it a 25 combined city/highway MPG EPA.
2. 2021 Crosstrek Hybrid by Subaru
The 2021 Subaru Crosstrek Hybrid is the second cheapest used car to insure in Missouri. A full coverage insurance policy is $88.85 per month, which is less than the state’s average of $161.92. A liability-only policy is $39.78 per month, which is less than the state average of $40.83 per month.
This Top Safety Pick+ award winner is a plug-in electric vehicle with an EPA rating of 30 combined city/highway MPG. The SUV is also capable and powerful enough to accommodate drivers on most of their adventures with an all-wheel-drive system and continuously variable transmission.
3. 2021 Tucson by Hyundai
The 2021 Hyundai Tucson compact SUV is the third cheapest used car to insure in Missouri. A full coverage insurance policy is $91.82 per month, which is much less than the state average of $161.92. A liability-only policy is $47.00 per month, which is slightly more than the state average of $40.83.
The Hyundai Tucson is a 2021 IIHS Top Safety Pick+ award recipient with 29 combined city/highway MPG EPA. It offers modern technologies and a long list of performance-improving features.
Its compact size is ideal for most driving and parking conditions, and the available HTRAC all-wheel-drive system makes it a safe winter vehicle choice.
The 45 Cheapest Used Vehicles to Insure in Missouri
After comparing used cars from the IIHS safety list, we generated quotes using a Missouri address. This research found the following 45 cheapest used vehicles to insure in Missouri.
| Year | Make | Model | Full Coverage | Liability Only |
| 2021 | Volvo | XC40 | $84.04 | $45.52 |
| 2021 | Subaru | Crosstrek Hybrid | $88.85 | $39.78 |
| 2021 | Hyundai | Tucson | $91.82 | $47.00 |
| 2021 | Mazda | CX-3 Sedan | $93.67 | $50.52 |
| 2021 | Subaru | Outback | $95.70 | $43.30 |
| 2021 | Acura | RDX | $96.07 | $48.11 |
| 2021 | Nissan | Rogue | $98.30 | $50.34 |
| 2021 | Subaru | Forester | $99.22 | $42.19 |
| 2021 | Honda | Odyssey Minivan | $99.78 | $47.00 |
| 2021 | Volvo | XC90 | $99.96 | $40.52 |
| 2021 | Chevrolet | Trailblazer | $99.96 | $48.67 |
| 2021 | Ford | Bronco Sport | $100.33 | $44.22 |
| 2021 | Subaru | Legacy | $102.56 | $46.82 |
| 2021 | Honda | Civic | $102.93 | $46.82 |
| 2021 | Honda | Civic Hatchback | $102.93 | $46.82 |
| 2022 | Hyundai | Santa Fe | $104.04 | $52.37 |
| 2021 | Mazda | 3 Hatchback | $107.00 | $51.08 |
| 2021 | Chrysler | Pacifica Minivan | $107.74 | $52.19 |
| 2021 | Mazda | 6 | $108.11 | $52.00 |
| 2021 | Hyundai | Palisade | $108.11 | $49.04 |
| 2021 | Toyota | Camry | $109.59 | $48.30 |
| 2021 | Toyota | Highlander | $112.00 | $52.19 |
| 2021 | Toyota | Sienna Minivan | $112.19 | $53.11 |
| 2021 | Honda | Accord | $112.37 | $47.74 |
| 2021 | Lexus | NX | $113.30 | $51.08 |
| 2021 | Acura | MDX | $114.04 | $55.89 |
| 2021 | Honda | Insight | $114.96 | $55.34 |
| 2021 | Volkswagen | ID.4 | $117.56 | $45.89 |
| 2022 | Mitsubishi | Outlander | $117.93 | $57.93 |
| 2021 | Ford | Explorer | $120.33 | $58.67 |
| 2021 | Nissan | Altima | $121.26 | $52.56 |
| 2021 | Kia | K5 | $121.63 | $53.11 |
| 2021 | Acura | TLX | $124.78 | $60.15 |
| 2021 | Volvo | V60 | $125.52 | $57.56 |
| 2021 | Volvo | S60 | $128.48 | $50.15 |
| 2021 | Cadillac | XT6 | $130.33 | $56.26 |
| 2021 | Genesis | G70 | $133.30 | $61.26 |
| 2021 | Audi | A6 | $136.81 | $51.63 |
| 2021 | Kia | Stinger | $138.67 | $58.11 |
| 2021 | Lexus | IS 300 | $147.18 | $59.22 |
| 2021 | Lexus | ES 350 | $149.41 | $51.63 |
| 2021 | Volvo | V90 | $155.15 | $46.63 |
| 2021 | Nissan | Maxima | $157.37 | $58.30 |
| 2021 | Tesla | Model 3 | $167.18 | $53.85 |
| 2021 | Genesis | G80 | $177.37 | $56.26 |
Full Coverage vs. Liability Insurance Costs
Liability-only insurance is cheaper than full coverage because it doesn’t cover property damages, theft, or weather-related damage.
Here is what you can expect to pay for each policy type in Missouri:
|
Full-Coverage Policy
|
Liability-Only Policy
|
|
$161.92
|
$40.83
|
The Best Missouri Car Insurance Companies
The three best automobile insurance companies in Missouri are American Family Insurance, State Farm, and Progressive.
We created the list of top insurance companies using the Missouri complaint index. Note that the complaint index ratio for insurance companies comes from national data rather than the state of Missouri.
Companies with lower Market-Share-to-Complaint Ratios indicate fewer complaints and happier claimants.
You can see all of the rankings below:
| Insurance Company | Market Share | Percent of Total Complaints | Complaint Index |
| State Farm |
22.23%
|
N/A
|
1.18
|
| American Family Insurance |
13.01%
|
N/A
|
0.43
|
| Progressive |
10.87%
|
N/A
|
1.45
|
| Berkshire Hathaway Inc. |
7.14%
|
N/A
|
N/A
|
| Liberty Mutual |
6.25%
|
N/A
|
3.56
|
Tips to Lower Insurance Premiums in Missouri
Drivers in Missouri can follow these tips to maximize discounts and minimize insurance premiums:
- Improve your credit score.
- Take advantage of insurance discounts, such as good student or safe driver.
- Bundle insurance policies, such as homeowners or renters insurance.
- Routinely compare insurance rates.
Research Methodology
We determined the cheapest used cars to insure in Missouri by obtaining quotes for 45 of the safest vehicles. We used the following basic driver profile to generate insurance quotes, and we used a local in-state address to get the most accurate information for Missouri residents.
Basic Driver Profile
- 35-year-old male with a bachelor’s degree
- Single and employed full time
- Homeowner but did not bundle policies
- Owns the vehicle rather than leases or finances it
- Has been with the current insurance carrier for five years or more
We used vehicles on the IIHS 2021 Top Safety Pick+ list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.
We used the following limits for liability-only quotes:
- $100,000/$300,000 liability limits
- $100,000 property damage limits
- $10,000 personal injury protection
For the full-coverage quotes, we included the following coverages with the liability selections:
- $1,000 deductible on collision coverage
- $1,000 deductible for comprehensive coverage
- $50/$1,500 rental reimbursement
- $100 roadside assistance
Frequently Asked Questions
What is the cheapest SUV to insure in Missouri?
The cheapest SUV to insure in Missouri is the 2022 Volvo XC40, a small SUV. A full coverage policy on a Volvo XC40 in Missouri is $84.04 monthly, which is less than the state’s average of $161.92.
Are older cars cheaper to insure?
Older cars are cheaper to insure in Missouri because they carry less risk. Most Missouri insurance companies charge lower rates on older cars since they’re less expensive to repair or replace.
How much liability insurance is required in Missouri?
Missouri requires a minimum liability insurance of $25,000 for bodily injury coverage per person, $50,000 for bodily injury or death per accident, and $25,000 for property damage per accident
What is the penalty for driving without insurance in Missouri?
Driving without insurance in Missouri can result in fines, license suspension, possible jail time, and even SR-22 requirements. Reinstating a driver’s license in Missouri requires a reinstatement fee and proof of insurance by way of getting an SR-22 certificate.
What is the basic insurance for a car?
Liability insurance is also known as basic car insurance. Liability insurance covers you financially if you cause bodily or property damage to another driver. If you have an auto loan on your vehicle, your lender may require you to carry comprehensive or collision insurance.
What car has the highest insurance rates?
Sports and luxury cars tend to have the highest insurance rates. Rare vehicles that are no longer manufactured or have after-market parts also cost more to insure since the insurance company must pay a lot more to replace or repair these vehicles.
References
- (2023.) How Much Is Car Insurance in Missouri? Bankrate. Retrieved April 3, 2023, from https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-missouri/
- (2022.) 2021 Top Safety Picks. IIHS HLDI. Retrieved April 3, 2023, from https://www.iihs.org/ratings/top-safety-picks/2021?tspPlusOnly#award-winners
- (2023.) Insurance Information. Missouri Department of Revenue. Retrieved April 3, 2023, from https://dor.mo.gov/driver-license/insurance/#:~:text=The%20minimum%20level%20of%20coverage,%2425%2C000%20per%20accident%20for%20property
- (2023.) Missouri Driver Responsibilities and Penalties. Missouri Department of Revenue. Retrieved April 3, 2023, from https://dor.mo.gov/driver-license/insurance/driver-penalties.html
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
