Georgia vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Missouri is $340/yr cheaper on average.

Fewer Uninsured

Georgia has a lower uninsured rate (12.4% vs 14.0%).

Rate & Coverage Comparison

Attribute	Georgia	Missouri
Avg Annual Premium	$2,100	$1,760
Min Liability	$690	$580
Full Coverage	$2,100	$1,760
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.4%	14.0%
Registered Vehicles	8,783,840	5,047,100
Accidents/Year	131,757	75,706
Population	10,712,000	6,155,000

Minimum Coverage Requirements

Georgia

25/50 / 25 liability

Missouri

25/50 / 25 liability

Premium Comparison

Georgia$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

Missouri$580 – $1,760

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

GeorgiaFull 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, Georgia or Missouri?

Missouri has cheaper car insurance, with an average annual premium of $1,760 compared to $2,100 in Georgia - a difference of $340 per year.

How do Georgia and Missouri compare on fault systems?

Georgia 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 Georgia vs Missouri?

Georgia requires 25/50 / 25 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $690/yr in Georgia and $580/yr in Missouri.

Which state has more uninsured drivers, Georgia or Missouri?

Missouri has a higher uninsured driver rate at 14.0%, compared to 12.4% in Georgia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Georgia 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

Georgia

Missouri

Avg Annual Premium

$2,100

$1,760

Min Liability

$690

$580

Full Coverage

$2,100

$1,760

Fault System

At-Fault (Tort)

Uninsured Rate

12.4%

14.0%

Registered Vehicles

8,783,840

5,047,100

Accidents/Year

131,757

75,706

Population

10,712,000

6,155,000