Michigan vs Missouri Car Insurance

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

Quick Verdict

More Affordable

Missouri is $940/yr cheaper on average.

Fewer Uninsured

Missouri has a lower uninsured rate (14.0% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	Missouri
Avg Annual Premium	$2,700	$1,760
Min Liability	$890	$580
Full Coverage	$2,700	$1,760
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	19.4%	14.0%
Registered Vehicles	8,263,139	5,047,100
Accidents/Year	123,947	75,706
Population	10,077,000	6,155,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Missouri

25/50 / 25 liability

Premium Comparison

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

Missouri$580 – $1,760

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

MichiganFull 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, Michigan or Missouri?

Missouri has cheaper car insurance, with an average annual premium of $1,760 compared to $2,700 in Michigan - a difference of $940 per year.

How do Michigan and Missouri compare on fault systems?

Michigan 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 Michigan vs Missouri?

Michigan requires 50/100 / 10 liability. Missouri requires 25/50 / 25 liability. Minimum liability costs $890/yr in Michigan and $580/yr in Missouri.

Which state has more uninsured drivers, Michigan or Missouri?

Michigan has a higher uninsured driver rate at 19.4%, compared to 14.0% in Missouri. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan 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

Michigan

Missouri

Avg Annual Premium

$2,700

$1,760

Min Liability

$890

$580

Full Coverage

$2,700

$1,760

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

19.4%

14.0%

Registered Vehicles

8,263,139

5,047,100

Accidents/Year

123,947

75,706

Population

10,077,000

6,155,000