Idaho vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Idaho is $660/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 14.0%).

Rate & Coverage Comparison

Attribute	Idaho	Missouri
Avg Annual Premium	$1,100	$1,760
Min Liability	$360	$580
Full Coverage	$1,100	$1,760
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	14.0%
Registered Vehicles	1,558,000	5,047,100
Accidents/Year	23,370	75,706
Population	1,900,000	6,155,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Missouri

25/50 / 25 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

Missouri$580 – $1,760

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

IdahoFull 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, Idaho or Missouri?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $1,760 in Missouri - a difference of $660 per year.

How do Idaho and Missouri compare on fault systems?

Idaho 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 Idaho vs Missouri?

Idaho requires 25/50 / 15 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $360/yr in Idaho and $580/yr in Missouri.

Which state has more uninsured drivers, Idaho or Missouri?

Missouri has a higher uninsured driver rate at 14.0%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho 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

Idaho

Missouri

Avg Annual Premium

$1,100

$1,760

Min Liability

$360

$580

Full Coverage

$1,100

$1,760

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

14.0%

Registered Vehicles

1,558,000

5,047,100

Accidents/Year

23,370

75,706

Population

1,900,000

6,155,000