Arkansas vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Missouri is $60/yr cheaper on average.

Fewer Uninsured

Missouri has a lower uninsured rate (14.0% vs 16.6%).

Rate & Coverage Comparison

Attribute	Arkansas	Missouri
Avg Annual Premium	$1,820	$1,760
Min Liability	$590	$580
Full Coverage	$1,820	$1,760
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.6%	14.0%
Registered Vehicles	2,469,840	5,047,100
Accidents/Year	37,047	75,706
Population	3,012,000	6,155,000

Minimum Coverage Requirements

Arkansas

25/50 / 25 liability

Missouri

25/50 / 25 liability

Premium Comparison

Arkansas$590 – $1,820

Liability: $590Avg: $1,820Full: $1,820

Missouri$580 – $1,760

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

ArkansasFull 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, Arkansas or Missouri?

Missouri has cheaper car insurance, with an average annual premium of $1,760 compared to $1,820 in Arkansas - a difference of $60 per year.

How do Arkansas and Missouri compare on fault systems?

Arkansas 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 Arkansas vs Missouri?

Arkansas requires 25/50 / 25 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $590/yr in Arkansas and $580/yr in Missouri.

Which state has more uninsured drivers, Arkansas or Missouri?

Arkansas has a higher uninsured driver rate at 16.6%, compared to 14.0% in Missouri. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arkansas 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

Arkansas

Missouri

Avg Annual Premium

$1,820

$1,760

Min Liability

$590

$580

Full Coverage

$1,820

$1,760

Fault System

At-Fault (Tort)

Uninsured Rate

16.6%

14.0%

Registered Vehicles

2,469,840

5,047,100

Accidents/Year

37,047

75,706

Population

3,012,000

6,155,000