Louisiana vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Missouri is $840/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 14.0%).

Rate & Coverage Comparison

Attribute	Louisiana	Missouri
Avg Annual Premium	$2,600	$1,760
Min Liability	$850	$580
Full Coverage	$2,600	$1,760
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	14.0%
Registered Vehicles	3,818,740	5,047,100
Accidents/Year	57,281	75,706
Population	4,657,000	6,155,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Missouri

25/50 / 25 liability

Premium Comparison

Louisiana$850 – $2,600

Liability: $850Avg: $2,600Full: $2,600

Missouri$580 – $1,760

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

LouisianaFull rates, age breakdown, requirements →MissouriFull rates, age breakdown, requirements →

📊

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, Louisiana or Missouri?

Missouri has cheaper car insurance, with an average annual premium of $1,760 compared to $2,600 in Louisiana - a difference of $840 per year.

How do Louisiana and Missouri compare on fault systems?

Louisiana 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 Louisiana vs Missouri?

Louisiana requires 15/30 / 25 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $850/yr in Louisiana and $580/yr in Missouri.

Which state has more uninsured drivers, Louisiana or Missouri?

Missouri has a higher uninsured driver rate at 14.0%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Louisiana

Missouri

Avg Annual Premium

$2,600

$1,760

Min Liability

$850

$580

Full Coverage

$2,600

$1,760

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

14.0%

Registered Vehicles

3,818,740

5,047,100

Accidents/Year

57,281

75,706

Population

4,657,000

6,155,000