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Missouri Auto Insurance

Missouri car insurance is pretty straightforward. But that doesn't mean that you're getting the best deal possible.

This guide:

Explains Missouri auto insurance laws and requirements

Describes how Missouri car insurance rates are set

Shows you how to save money with multiple quotes

See How Much You Could Save:

Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Missouri.

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Missouri auto insurance laws

Missouri is a tort state, which means that if you are a resident of the state, you're financially responsible for the damage and injury you cause in an auto accident. To drive a vehicle in Missouri, you're required to show proof of financial responsibility.

You can prove this responsibility by posting a bond or certificate of deposit for $120,000, or by buying a minimum amount of liability coverage. Most drivers opt to buy the Missouri car insurance.

Missouri's liability minimums are 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for any damage that you cause to the other driver's car and/or property.)

Missouri auto insurance laws also require uninsured and underinsured motorist bodily injury insurance in the amount of 25/50 ($25,000 per person injured, up to $50,000 total). These coverages help pay for your medical expenses should you be struck by a driver with inadequate liability coverage.

Of course, these are only minimums. Higher liability limits are strongly recommended, particularly if you have assets to protect. And raising your un/underinsured motorist limits can mean a lot more protection for you and your family for little increase in premium cost.

Missouri auto insurance companies will also offer optional coverages such as medical payments, collision, and comprehensive.

If you are a Missouri resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.

After you compare several rates at ComparisonMarket, pay a visit to Electric, and get a quote to see if you qualify.

How Missouri car insurance rates are set

The price of Missouri auto insurance is decided by the behavior of the state's drivers as a whole. Missouri auto insurance companies take the cost of providing insurance for Missouri drivers (this includes settlements and legal fees) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Missouri auto insurance policy.

Where to get Missouri auto insurance quotes

The following web sites will help you find Missouri car insurance quotes: (these links will open in a new window)

ComparisonMarket is the easiest and most accurate quotes comparison service. This is the place where you'll save four hundred bucks.



Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

Netquote is a service that provides you quotes directly from agents in your area, who can help you figure out the details of your policy, possibly save even more money.

Geico - Like the gecko says: "15 minutes could save you $300 or more on your auto insurance".

Electric Insurance a provider with discount rates for good drivers

Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

ZIP Code:

To help speed up the process, you may wish to have some of the information needed for an online quote ready before you begin.

More MO car insurance help

If you want more help designing your MO auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.

To find out more about MO auto insurance laws and regulations, visit the state's official website of the Missouri Department of Insurance.

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.