Cheap Missouri Auto Insurance for 2023

Missouri, one of the most populous states in the Midwest, is home to two very large urban areas – St. Louis and Kansas City. With the number 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.

How much does Missouri auto insurance cost and how much coverage do you need by law? Understanding auto insurance in Missouri is the key to shopping for coverage with confidence. Read on for everything you need to know to buy Missouri auto insurance.

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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 is also required at a minimum of:

• Bodily Injury Coverage – $25,000 per person
• Bodily Injury Coverage –  $50,000 per accident

You can also select from these and other Optional coverages 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 proof of 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 the minimum requirements.

There are two categories of minimum requirements of coverage that you have to comply with, which are bodily injury liability and property damage liability. 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 wiser to buy more than what they suggest to protect your assets.

First of all, the state requires that you purchase a minimum of $25,000 in liability for bodily injury per person and $50,000 per incident. This pays for injuries to the other driver, passengers, and even pedestrians in the event that you are at fault in an accident.

You are also required to purchase a minimum amount of property damage liability to pay for damage to the other vehicle or other property when you are at fault in 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.

Many vehicles on the road today are worth much more than $10,000. to ensure you have enough coverage if you’re found at fault for totaling a brand new BMW, for example, you will want to carry more coverage.

To protect yourself against uninsured drivers, the state also requires $25,000 in coverage per person and $50,000 per accident in uninsured motorist coverage. This pays for damages done when the other driver does not have insurance.

The state has three different penalties for lack of insurance in the case of an accident. You can accumulate four points on 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.

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Missouri Auto Insurance Agents

Below you will find a list of Missouri auto insurance agents.

Missouri Auto Insurance Agents

• Get Affordable Bland, MO Auto Insurance Quotes (#current_year)
• Get Affordable Gerald, MO Auto Insurance Quotes (#current_year)
• Get Affordable Hayti, MO Auto Insurance Quotes (#current_year)
• Get Affordable Imperial, MO Auto Insurance Quotes (#current_year)
• Get Affordable New Hampton, MO Auto Insurance Quotes (#current_year)
• Get Affordable Plato, MO Auto Insurance Quotes (#current_year)
• Get Affordable Strafford, MO Auto Insurance Quotes (#current_year)
• Get Affordable University City, MO Auto Insurance Quotes (#current_year)

Additional Missouri Automobile Insurance Information

Check out these official sources for more information on Missouri auto insurance and driving laws.

• 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.

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