Alabama vs Missouri Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Missouri is $130/yr cheaper on average.

Fewer Uninsured

Missouri has a lower uninsured rate (14.0% vs 18.0%).

Rate & Coverage Comparison

Attribute	Alabama	Missouri
Avg Annual Premium	$1,890	$1,760
Min Liability	$620	$580
Full Coverage	$1,890	$1,760
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	18.0%	14.0%
Registered Vehicles	4,119,679	5,047,100
Accidents/Year	61,795	75,706
Population	5,024,000	6,155,000

Minimum Coverage Requirements

Alabama

25/50 / 25 liability

Missouri

25/50 / 25 liability

Premium Comparison

Alabama$620 – $1,890

Liability: $620Avg: $1,890Full: $1,890

Missouri$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

AlabamaFull rates, age breakdown, requirements →MissouriFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alabama or Missouri?

Missouri has cheaper car insurance, with an average annual premium of $1,760 compared to $1,890 in Alabama - a difference of $130 per year.

How do Alabama and Missouri compare on fault systems?

Alabama uses a at-fault (tort) system while Missouri uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alabama vs Missouri?

Alabama requires 25/50 / 25 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $620/yr in Alabama and $580/yr in Missouri.

Which state has more uninsured drivers, Alabama or Missouri?

Alabama has a higher uninsured driver rate at 18.0%, compared to 14.0% in Missouri. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alabama vs Missouri insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Alabama

Missouri

Avg Annual Premium

$1,890

$1,760

Min Liability

$620

$580

Full Coverage

$1,890

$1,760

Fault System

At-Fault (Tort)

Uninsured Rate

18.0%

14.0%

Registered Vehicles

4,119,679

5,047,100

Accidents/Year

61,795

75,706

Population

5,024,000

6,155,000