Missouri Car Insurance

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Key takeaways...
  • Missouri car insurance laws require all vehicles and drivers to maintain both liability car insurance and uninsured motorist coverage
  • If you need car insurance in Missouri the best thing to do is learn about your car insurance options including the types of coverage available, policy limits, which deductible to choose and car insurance discounts
  • Compare at least three different rates to make sure you aren’t overpaying for the coverage you need

Missouri car insurance laws require all vehicles and drivers to maintain both liability car insurance and uninsured motorist coverage (UIM). Any driver operating a vehicle without proper car insurance in place is subject to heavy fines and possible vehicle

Any driver operating a vehicle without proper car insurance in place is subject to heavy fines and possible vehicle registration/drivers license suspension. Compare rates today to make sure you are covered for the best rate!

Non-residents driving in the state of Missouri must have car insurance which conforms to the requirements of their state. Visitors may also want to check their policy limits before visiting as Missouri does not operate under no-fault car insurance laws.

Missouri Car Insurance Requirements

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Whenever you register a vehicle or renew license plates in Missouri the Missouri Department of Revenue will require you to show proof of existing insurance before issuing tags.

Currently, Missouri car insurance laws require all drivers to have to least the following minimum levels of auto insurance coverage:

  • $25,000 bodily injury liability coverage per person per accident
  • $50,000 liability coverage for bodily injury per accident
  • $10,000 in property damage insurance coverage
  • $25,000/$50,000 uninsured motorist coverage with the same minimum coverage requirements as bodily injury

Uninsured motorist coverage is car insurance which provides coverage for damages and injuries sustained in a car accident with a driver who is uninsured and is at fault.

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Missouri Car Insurance Rates

Using a national scale Missouri drivers pay right in the middle of national average car insurance premiums so while Missouri is not the cheapest state for car insurance, it is on par with most states in terms of what you can expect to pay.

The downfall with using any kind of national statistic is it’s almost impossible to group everyone into a national average.

Many drivers opt for car insurance coverage with much higher limits than state minimum requirements due to the potential liability from healthcare costs associated with injuries from a car accident.

Even more people take advantage of multiple car insurance discounts to get lower rates.

If you need car insurance in Missouri, the best thing to do is learn about your car insurance options including the types of coverage available, policy limits, which deductible to choose and car insurance discounts.

Once enough knowledge is gained start a car insurance comparison search online for Missouri car insurance companies.

Ready to get Missouri car insurance rates? Get FREE car insurance quotes online.

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