Missouri Auto Insurance
Missouri auto insurance state minimums are 25/50/10 and average Missouri auto insurance rates are $91.67/mo for full coverage Missouri auto insurance plans. To save on Missouri car insurance, shop around for Missouri auto insurance quotes from the Missouri auto insurance companies in your ZIP Code using our quote comparison tool below.
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UPDATED: Nov 12, 2020
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[tooltip text=”Tooltip Text”]Missouri, one of the most populous states in the Midwest, is home to two very large urban areas – St. Louis and Kansas City. With more than 6 million residents, Missouri ranks as the 18th most populous state in the nation. The largest metropolitan area in Missouri is Kansas City, which has a population of 1,990,831 people spread across fifteen counties. With the amount of people packed into its urban areas, it’s amazing that Missouri can manage to have such an affordable rate of auto insurance in comparison to other states in the nation.
Auto Insurance Requirements And Laws In Missouri
In Missouri, the state liability coverage minimums are:
- Bodily Injury Liability Coverage – $25,000 per person
- Bodily Injury Liability Coverage – $50,000 per accident
- Property Damage Liability Coverage – $10,000 per accident
Take a look at how Missouri’s minimum rates compare with surrounding states.
Uninsured Motorist coverage minimums:
- Bodily Injury Coverage – $25,000 per person
- Bodily Injury Coverage – $50,000 per accident
Optional coverage options in Missouri:
- Comprehensive Coverage
- Collision Coverage
- Medical Payments Coverage
- Rental Car Reimbursement Coverage
- Roadside Assistance / Towing Coverage
In Missouri, there are three ways that you demonstrate financial responsibility to the Department of Revenue. You can leave a deposit of $60,000, purchase liability insurance, or file a real estate bond. Coming up with $60,000 can be a difficult task for almost everyone, which is why most people end up purchasing some kind of auto insurance instead. When purchasing auto insurance in Missouri, you must meet some of the minimum requirements like with that of many other states.
There are three categories of minimum requirements of coverage that you have to comply with, which are bodily injury, property damage, and per accident. For all of these, the state declares that you have to purchase at least a certain amount of insurance, but it is not always recommended that you only get the minimum amount of coverage. In many cases it is must wiser to buy more than what they suggest; this will be explained more for particular liability areas.
First of all, the state requires that you purchase a minimum of $25,000 in liability for bodily injury per person. The total amount to be covered varies for each family or individual since you won’t always have a certain amount of people in the vehicle. If, for example, you have a family of four in your car more often than not, it’s recommended that you have at least $100,000 worth of liability in bodily damage to have enough to cover everyone. It is also required that you have at least $50,000 in coverage per individual accident.
Aside from bodily injury, another very important liability area is for the vehicles themselves. This category, listed under property damage, covers all the damages to your motor vehicle at the time of the accident. The state of Missouri only requires that you cover a minimum of $10,000 for property damage. This minimum is often time’s not enough, however. You should usually cover an amount more or less equal to the cost of your vehicle. If you drive a $25,000 car you may want to look into getting the same amount in coverage just in case you ever find yourself in a situation where you motor vehicle is completely totaled. To insure yourself against uninsured drivers, the state also required $25,000 in coverage per person and $50,000 per accident in uninsured motorist coverage.
The state has three different penalties for lack of insurance in the case of an accident. You can accumulate four points under your driver’s license, be put under monitoring by the state or you could have your driver’s license completely rescinded. To prevent the possibility of ever having your license suspended, it is suggested that you always have insurance and proof of insurance on hand in case you ever find yourself in a situation where you would have to show someone that you are insured.
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Missouri Auto Insurance Rates
While the average rate of auto insurance in the United States is $1,439.14, Missouri’s average is over $300 cheaper, coming in at around $1,100.
This is not the same for the rates in major cities, however. In Kansas City, the average premium for auto insurance is about the same as the national average, at about $1,450.
Once again, looking at the metropolitan makeup of Kansas City, this rate is rather inexpensive when considering the potential amount of damages due to the fact that the city is so densely populated.
There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.
While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.
Missouri Auto Insurance Rates by Company
Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.
But which companies are the largest, holding the most market share percentage in the region?
Missouri Accident Statistics
It’s also important to remember that the road is a very dangerous place and many accidents occur over the course of a year. In 2009 alone, there were 75,264 accidents in Missouri, of which 20,178 inflicted injury and 577 were fatal. Getting into an accident without auto insurance can put you in an even worse position in addition to the accident, as it adds the burden of financial responsibility. That’s why buying insurance is required beforehand – it eliminates the worry of paying for the accident and puts all the focus on the damages at hand.
Buying insurance is very important so it’s essential that you are well-read and highly educated on the terms and requirements of auto insurance before making any major purchases. At 4AutoInsuranceQuote.com, we have made it easier than ever to find the quotes for the best possible insurance policies in your area. If you’re interested in getting a quote, simply scroll back up to the top of the page and enter your zip code.
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Missouri Auto Insurance Agents
Missouri Auto Insurance Agents
- Adrian
- Advance
- Affton
- Agency
- Airport Drive
- Alba
- Albany
- Alma
- Altamont
- Altenburg
- Alton
- Amazonia
- Amoret
- Amsterdam
- Anderson
- Annapolis
- Anniston
- Appleton City
- Arbyrd
- Arcadia
- Archie
- Armstrong
- Arnold
- Asbury
- Ash Grove
- Ashland
- Atlanta
- Augusta
- Aurora
- Auxvasse
- Ava
- Avondale
- Bakersfield
- Ballwin
- Barnard
- Barnett
- Barnhart
- Bates City
- Battlefield
- Bel Nor
- Bel Ridge
- Bell City
- Bella Villa
- Belle
- Bellefontaine Neighbors
- Bellerive
- Bellflower
- Belton
- Benton
- Berger
- Berkeley
- Bernie
- Bertrand
- Bethany
- Beverly Hills
- Bevier
- Billings
- Birch Tree
- Birmingham
- Bismarck
- Black Jack
- Blackburn
- Blackwater
- Bland
- Blodgett
- Bloomfield
- Bloomsdale
- Blue Springs
- Blythedale
- Bogard
- Bolckow
- Bolivar
- Bonne Terre
- Bonnots Mill
- Booneville
- Boonville
- Bosworth
- Bourbon
- Bowling Green
- Branson
- Branson West
- Brashear
- Braymer
- Breckenridge
- Breckenridge Hills
- Brentwood
- Bridgeton
- Bronaugh
- Brookfield
- Brookline
- Broseley
- Browning
- Brownwood
- Brunswick
- Bucklin
- Buckner
- Buffalo
- Bull Creek
- Bunceton
- Bunker
- Burlington Junction
- Butler
- Butterfield
- Byrnes Mill
- Cabool
- Cainsville
- Cairo
- Calhoun
- California
- Callao
- Calverton Park
- Camden
- Camden Point
- Camdenton
- Cameron
- Campbell
- Canalou
- Canton
- Cape Girardeau
- Cardwell
- Carl Junction
- Carrollton
- Carterville
- Carthage
- Caruthersville
- Carytown
- Cassville
- Cedar Hill
- Cedar Hill Lakes
- Center
- Centertown
- Centerview
- Centralia
- Chaffee
- Chamois
- Charlack
- Charleston
- Chesterfield
- Chilhowee
- Chillicothe
- Clarence
- Clark
- Clarksburg
- Clarksdale
- Clarkson Valley
- Clarksville
- Clarkton
- Claycomo
- Clayton
- Clearmont
- Cleveland
- Clever
- Clinton
- Cole Camp
- Columbia
- Conception Junction
- Concordia
- Conway
- Cool Valley
- Cooter
- Corder
- Cosby
- Cottleville
- Country Club Hills
- Cowgill
- Craig
- Crane
- Creighton
- Crestwood
- Creve Coeur
- Crocker
- Crystal City
- Crystal Lake Park
- Crystal Lakes
- Cuba
- Curryville
- Dadeville
- Dardenne Prairie
- De Kalb
- De Soto
- Dearborn
- Deepwater
- Dellwood
- Delta
- Des Peres
- Desloge
- Detroit
- Dexter
- Diamond
- Diggins
- Dixon
- Doniphan
- Doolittle
- Downing
- Drexel
- Dudley
- Duenweg
- Duquesne
- Eagleville
- East Lynne
- East Prairie
- East St Louis
- Easton
- Edgerton
- Edina
- Edmundson
- El Dorado Springs
- Eldon
- Ellington
- Ellisville
- Ellsinore
- Elsberry
- Eminence
- Emma
- Eolia
- Essex
- Eugene
- Eureka
- Everton
- Ewing
- Excelsior Springs
- Exeter
- Fair Grove
- Fair Play
- Fairfax
- Fairview
- Farber
- Farley
- Farmington
- Faucett
- Fayette
- Fenton
- Ferguson
- Ferrelview
- Festus
- Fidelity
- Fillmore
- Fisk
- Flint Hill
- Flordell Hills
- Florissant
- Fordland
- Forest City
- Foristell
- Forsyth
- Fort Leonard Wood
- Frankford
- Fredericktown
- Freeburg
- Freeman
- Frontenac
- Fulton
- Gainesville
- Galena
- Gallatin
- Galt
- Garden City
- Gasconade
- Gerald
- Gideon
- Gilliam
- Gilman City
- Gladstone
- Glasgow
- Glasgow Village
- Glenaire
- Glendale
- Glenwood
- Golden
- Golden City
- Goodman
- Gordonville
- Gower
- Graham
- Grain Valley
- Granby
- Grandin
- Grandview
- Grant City
- Grantwood Village
- Gravois Mills
- Gray Summit
- Green City
- Green Park
- Green Ridge
- Greencastle
- Greendale
- Greenfield
- Greentop
- Greenville
- Greenwood
- Hale
- Hallsville
- Hamilton
- Hanley Hills
- Hannibal
- Hardin
- Harrisonville
- Hartville
- Hawk Point
- Hayti
- Hayti Heights
- Haywood City
- Hazelwood
- Henrietta
- Herculaneum
- Hermann
- Hermitage
- Higbee
- Higginsville
- High Hill
- High Ridge
- Highlandville
- Hillsboro
- Hillsdale
- Holcomb
- Holden
- Holland
- Hollister
- Holt
- Holts Summit
- Hopkins
- Horine
- Hornersville
- House Springs
- Houston
- Houston Lake
- Houstonia
- Howardville
- Humansville
- Hume
- Hunnewell
- Huntleigh
- Huntsville
- Hurdland
- Iberia
- Imperial
- Independence
- Indian Point
- Innsbrook
- Iron Mountain Lake
- Irondale
- Ironton
- Jackson
- Jamesport
- Jamestown
- Jane
- Jasper
- Jefferson City
- Jennings
- Jerico Springs
- Jonesburg
- Joplin
- Josephville
- Junction City
- Kahoka
- Kansas City
- Kearney
- Kelso
- Kennett
- Keytesville
- Kidder
- Kimberling City
- King City
- Kingdom City
- Kingston
- Kingsville
- Kinloch
- Kirksville
- Kirkwood
- Knob Noster
- Knox City
- Koeltztown
- Koshkonong
- La Belle
- La Due
- La Grange
- La Monte
- La Plata
- Laclede
- Laddonia
- Lake Lafayette
- Lake Lotawana
- Lake Ozark
- Lake Saint Louis
- Lake St Louis
- Lake Tapawingo
- Lake Waukomis
- Lake Winnebago
- Lakeshire
- Lamar
- Lamar Heights
- Lanagan
- Lancaster
- Laredo
- Lathrop
- Laurie
- Lawson
- Leadington
- Leadwood
- Leasburg
- Leawood
- Lebanon
- Lees Summit
- Leeton
- Lemay
- Lewistown
- Lexington
- Liberal
- Liberty
- Licking
- Lilbourn
- Lincoln
- Linn
- Linn Creek
- Linneus
- Lockwood
- Lone Jack
- Loose Creek
- Louisiana
- Lowry City
- Ludlow
- Macks Creek
- Macon
- Madison
- Maitland
- Malden
- Malta Bend
- Manchester
- Mansfield
- Maplewood
- Marble Hill
- Marceline
- Marionville
- Marlborough
- Marquand
- Marshall
- Marshfield
- Marston
- Marthasville
- Martinsburg
- Maryland Heights
- Maryville
- Matthews
- Maysville
- Mayview
- Meadville
- Mehlville
- Memphis
- Mendon
- Mercer
- Merriam Woods
- Meta
- Mexico
- Milan
- Mill Spring
- Miller
- Mindenmines
- Miner
- Mineral Point
- Missouri City
- Moberly
- Moline Acres
- Monett
- Monroe City
- Montgomery City
- Monticello
- Montrose
- Morehouse
- Morley
- Morrisville
- Mosby
- Moscow Mills
- Mound City
- Mountain Grove
- Mountain View
- Mt Vernon
- Murphy
- Napoleon
- Naylor
- Neelyville
- Nelson
- Neosho
- Nevada
- New Bloomfield
- New Cambria
- New Florence
- New Franklin
- New Hampton
- New Haven
- New London
- New Madrid
- Newburg
- Newtonia
- Newtown
- Niangua
- Nixa
- Noel
- Norborne
- Normandy
- North Kansas City
- Northmoor
- Northwoods
- Norwood
- Norwood Court
- Novinger
- O Fallon
- Oak Grove
- Oak Ridge
- Oakland
- Oakview
- Oakville
- Odessa
- Old Monroe
- Olivette
- Olympian Village
- Oran
- Oregon
- Oronogo
- Orrick
- Osage Beach
- Osborn
- Osceola
- Otterville
- Overland
- Owensville
- Ozark
- Pacific
- Pagedale
- Palmyra
- Paris
- Park Hills
- Parkdale
- Parkville
- Parkway
- Parma
- Pasadena Hills
- Pasadena Park
- Patton
- Pattonsburg
- Peculiar
- Perry
- Perryville
- Pevely
- Phillipsburg
- Piedmont
- Pierce City
- Pilot Grove
- Pilot Knob
- Pine Lawn
- Pineville
- Pittsburg
- Plato
- Platte City
- Platte Woods
- Plattsburg
- Pleasant Hill
- Pleasant Hope
- Pleasant Valley
- Polo
- Poplar Bluff
- Portage Des Sioux
- Portageville
- Potosi
- Prairie Home
- Princeton
- Purcell
- Purdin
- Purdy
- Puxico
- Queen City
- Qulin
- Ravenwood
- Raymondville
- Raymore
- Raytown
- Rayville
- Reeds Spring
- Renick
- Republic
- Rhineland
- Rich Hill
- Richland
- Richmond
- Richmond Heights
- Ridgeway
- Risco
- Riverside
- Riverview
- Robertsville
- Rocheport
- Rock Hill
- Rock Port
- Rockaway Beach
- Rocky Comfort
- Rogersville
- Rolla
- Rosebud
- Rushville
- Russellville
- Saginaw
- Salem
- Salisbury
- Sappington
- Sarcoxie
- Savannah
- Schell City
- Scotsdale
- Scott City
- Sedalia
- Seligman
- Senath
- Seneca
- Seymour
- Shelbina
- Shelbyville
- Sheldon
- Shell Knob
- Shoal Creek Drive
- Shrewsbury
- Sibley
- Sikeston
- Silex
- Silver Creek
- Skidmore
- Slater
- Smithton
- Smithville
- South West City
- Spanish Lake
- Sparta
- Spickard
- Springfield
- St Albans
- St Ann
- St Charles
- St Clair
- St Elizabeth
- St George
- St James
- St John
- St Joseph
- St Martins
- St Mary
- St Paul
- St Peters
- St Robert
- St Thomas
- Stanberry
- Ste Genevieve
- Steele
- Steelville
- Stewartsville
- Stockton
- Stotts City
- Stover
- Strafford
- Sturgeon
- Sugar Creek
- Sullivan
- Summersville
- Sunrise Beach
- Sunset Hills
- Sweet Springs
- Sycamore Hills
- Table Rock
- Tallapoosa
- Taneyville
- Taos
- Tarkio
- Thayer
- Theodosia
- Tina
- Tipton
- Town and Country
- Tracy
- Trenton
- Trimble
- Troy
- Truesdale
- Truxton
- Tuscumbia
- Twin Oaks
- Union
- Union Star
- Uniontown
- Unionville
- University City
- Uplands Park
- Urbana
- Urich
- Utica
- Valley Park
- Van Buren
- Vandalia
- Vanduser
- Velda City
- Velda Village Hills
- Verona
- Versailles
- Viburnum
- Vienna
- Villa Ridge
- Village of Four Seasons
- Vinita Park
- Vinita Terrace
- Walker
- Walnut Grove
- Wappapello
- Wardell
- Wardsville
- Warrensburg
- Warrenton
- Warsaw
- Warson Woods
- Washburn
- Washington
- Waverly
- Wayland
- Waynesville
- Weatherby Lake
- Weaubleau
- Webb City
- Webster Groves
- Weldon Spring
- Wellington
- Wellston
- Wellsville
- Wentzville
- West Alton
- West Plains
- Weston
- Westphalia
- Westwood
- Wheatland
- Wheaton
- Wheeling
- Whiteman AFB
- Wilbur Park
- Wildwood
- Willard
- Williamsville
- Willow Springs
- Winchester
- Windsor
- Winfield
- Winona
- Winston
- Woodson Terrace
- Wright City
- Wyaconda
- Wyatt
Additional Missouri Automobile Insurance Information
- Insurance Information – Missouri Department of Revenue.
- Auto Insurance FAQs – From the Missouri Department of Insurance
- Missouri DMV – Motor vehicle titling & registration from the Missouri dept. of revenue.
- GHSA.org – Key highway safety laws in the state of Missouri.
- Missouri Driver Guide – Driving laws and information in MO.