Kentucky vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Missouri is $440/yr cheaper on average.

Fewer Uninsured

Kentucky has a lower uninsured rate (13.8% vs 14.0%).

Rate & Coverage Comparison

Attribute	Kentucky	Missouri
Avg Annual Premium	$2,200	$1,760
Min Liability	$720	$580
Full Coverage	$2,200	$1,760
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	13.8%	14.0%
Registered Vehicles	3,694,920	5,047,100
Accidents/Year	55,423	75,706
Population	4,506,000	6,155,000

Minimum Coverage Requirements

Kentucky

25/50 / 25 liability

Missouri

25/50 / 25 liability

Premium Comparison

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

Missouri$580 – $1,760

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

KentuckyFull 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, Kentucky or Missouri?

Missouri has cheaper car insurance, with an average annual premium of $1,760 compared to $2,200 in Kentucky - a difference of $440 per year.

How do Kentucky and Missouri compare on fault systems?

Kentucky 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 Kentucky vs Missouri?

Kentucky requires 25/50 / 25 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $720/yr in Kentucky and $580/yr in Missouri.

Which state has more uninsured drivers, Kentucky or Missouri?

Missouri has a higher uninsured driver rate at 14.0%, compared to 13.8% in Kentucky. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kentucky 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

Kentucky

Missouri

Avg Annual Premium

$2,200

$1,760

Min Liability

$720

$580

Full Coverage

$2,200

$1,760

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

13.8%

14.0%

Registered Vehicles

3,694,920

5,047,100

Accidents/Year

55,423

75,706

Population

4,506,000

6,155,000