Missouri Auto Insurance

Posted by Harry Wagner

Are you looking for affordable Missouri car insurance? Just enter your ZIP Code at the top of this page so you can compare car insurance quotes in MO.

Missouri Car Insurance Requirements and Laws

Missouri Minimum Auto Insurance Requirements
  • Individual Bodily Injury Liability: $25,000
  • Total Bodily Injury Liability: $50,000
  • Property Damage Liability: $10,000

When you register a new vehicle or renew your license plate, Missouri law requires you to provide proof of insurance. That way, you’ll be covered if your vehicle’s involved in an accident and you’re held responsible for property damage or injuries.

The minimum liability coverage in Missouri is $25,000 per person for bodily damage, $50,000 per accident for bodily injury and $10,000 per accident for property damage. Don’t forget that you also need to have uninsured motorist coverage. For this type of coverage, you need a minimum of $25,000 for bodily injury per person as well as $50,000 for bodily injury per accident.

It’s important to keep your proof of insurance available in your vehicle at all times. Otherwise, a Missouri law enforcement officer may give you a ticket and report your lack of insurance to the Department of Revenue. Luckily, auto insurance in Missouri is easy to obtain.

Auto insurance can protect Missouri drivers in the event of a car accident. According to recent data from the National Highway Traffic Safety Administration, Missouri’s roads see an average of 800 traffic fatalities per year. A high percentage of these accidents involve single vehicles. Other factors in the state’s traffic fatalities include speeding, intersections and roadway departures.

How to Get Lower Missouri Car Insurance Quotes

Missouri auto insurance quotes can get you on your way to the proof of insurance the state requires. There are several measures you can take to lower premiums. For instance, your vehicle might be eligible for a theft-deterrent discount if you have a car alarm. Another discount might be offered to you if you’re a safe driver without a record of accidents in the last three years.

Some Missouri drivers ask for a higher deductible to reduce their premiums. If you can afford to pay a higher amount out of your pocket if you make a claim, this tactic may save you some money on premiums. Also, improving your credit score may impact your premiums.

It’s important to compare auto insurance quotes to secure the best premium. One company’s coverage may differ slightly, resulting in a lower cost. Online comparison of auto insurance quotes is the best method for finding the most favorable coverage. With online comparison, you won’t have to travel to different offices across Missouri or call a lot of agents when you’re short on time.

Whether you’re in St. Louis, Kansas City or another part of the state, cheap car insurance in Missouri is within your reach.