Kansas vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Kansas is $70/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 14.0%).

Rate & Coverage Comparison

Attribute	Kansas	Missouri
Avg Annual Premium	$1,690	$1,760
Min Liability	$550	$580
Full Coverage	$1,690	$1,760
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.2%	14.0%
Registered Vehicles	2,408,340	5,047,100
Accidents/Year	36,125	75,706
Population	2,937,000	6,155,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

Missouri

25/50 / 25 liability

Premium Comparison

Kansas$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

Missouri$580 – $1,760

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

KansasFull 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, Kansas or Missouri?

Kansas has cheaper car insurance, with an average annual premium of $1,690 compared to $1,760 in Missouri - a difference of $70 per year.

How do Kansas and Missouri compare on fault systems?

Kansas uses a no-fault system while Missouri uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Kansas vs Missouri?

Kansas requires 25/50 / 25 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $550/yr in Kansas and $580/yr in Missouri.

Which state has more uninsured drivers, Kansas or Missouri?

Missouri has a higher uninsured driver rate at 14.0%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas 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

Kansas

Missouri

Avg Annual Premium

$1,690

$1,760

Min Liability

$550

$580

Full Coverage

$1,690

$1,760

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.2%

14.0%

Registered Vehicles

2,408,340

5,047,100

Accidents/Year

36,125

75,706

Population

2,937,000

6,155,000