Missouri vs Nebraska Car Insurance

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

Quick Verdict

More Affordable

Nebraska is $180/yr cheaper on average.

Fewer Uninsured

Nebraska has a lower uninsured rate (6.8% vs 14.0%).

Rate & Coverage Comparison

Attribute	Missouri	Nebraska
Avg Annual Premium	$1,760	$1,580
Min Liability	$580	$520
Full Coverage	$1,760	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.0%	6.8%
Registered Vehicles	5,047,100	1,608,840
Accidents/Year	75,706	24,132
Population	6,155,000	1,962,000

Minimum Coverage Requirements

Missouri

25/50 / 25 liability

Nebraska

25/50 / 25 liability

Premium Comparison

Missouri$580 – $1,760

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

Nebraska$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

MissouriFull rates, age breakdown, requirements →NebraskaFull 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, Missouri or Nebraska?

Nebraska has cheaper car insurance, with an average annual premium of $1,580 compared to $1,760 in Missouri - a difference of $180 per year.

How do Missouri and Nebraska compare on fault systems?

Missouri uses a at-fault (tort) system while Nebraska uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Missouri vs Nebraska?

Missouri requires 25/50 / 25 liability. Nebraska requires 25/50 / 25 liability. Minimum liability costs $580/yr in Missouri and $520/yr in Nebraska.

Which state has more uninsured drivers, Missouri or Nebraska?

Missouri has a higher uninsured driver rate at 14.0%, compared to 6.8% in Nebraska. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Missouri vs Nebraska 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

Missouri

Nebraska

Avg Annual Premium

$1,760

$1,580

Min Liability

$580

$520

Full Coverage

$1,760

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

14.0%

6.8%

Registered Vehicles

5,047,100

1,608,840

Accidents/Year

75,706

24,132

Population

6,155,000

1,962,000