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Sample Car Insurance Quotes Missouri

All drivers in Missouri are required to carry a set amount of insurance for Liability coverage, as well as Uninsured Motorist to be legal on the roadway. All drivers are required to carry Liability and Uninsured Motorist, additional coverages are available for an additional premium. Drivers are able to increase their liability limit from the State Minimum Limit, if higher coverage is desired. Optional coverage such as Medical Payments may also be purchased by the insured.

Required car insurance coverage	Required minimum limits
Bodily injury (BI) liability insurance	$25,000 per person/$50,000 per accident
Property damage (PD) liability insurance	$25,000 per accident
Uninsured/Underinsured motorist (UM/UIM)	$25,000 per person/$50,000 per accident

If you are looking for the cheapest, most affordable car insurance quotes MO, liability only insurance is your best option. Liability Insurance will protect others from you on the road, covering any damages that you may be found liable for in the event of an Accident.

Liability Insurance must be in effect before operating, or registering a vehicle in Missouri, according to the MO DMV. Liability Insurance is the cheapest Insurance coverage available. See below for the average price Missouri drivers pay for their liability insurance.

Dairyland	$71
Progressive Insurance	$82
Geico	$89
Acceptance RTR	$96
National General	$99
The General	$104
Mendota Ins. Company	$110
AssuranceAmerica	$111
American Family	$112
Bristol West	$124
Nationwide	$129
21st Century	$139
USAA	$140
State Farm	$148
State Auto	$152

Looking to save on your full coverage insurance policy in Missouri? Check with your local insurance agent for discounts that can help you save on your auto policy. All companies are able to offer different discounts. Some common discounts along with their average savings are listed below. Check with your local insurance agent to ensure you are receiving all the potential discounts for maximum savings on your auto insurance policy.

Continuos Insurance		$15+/month savings
Advanced Quote		$8-10/month savings
Auto Pay		$5-10/month savings
Paperless		$4-5/month savings
Multi vehicle
Multi Policy
Education		$2-3/month savings
Military
Marital Status
Homeowners		$3-4/month savings
Advanced Quote		$3-4/month savings

Full Coverage Car Insurance in Missouri consists of having the State Minimum Liability Requirements, along with having Comprehensive and Collision Coverage. There are also additional coverages you may be able to add onto your full coverage auto insurance policy, such as Roadside Assistance, Rental Reimbursement, Gap Insurance, and additional State Coverages like Uninsured/Underinsured Motorist, and Medical Payments.

The cost for full coverage does vary based on several factors such as the driver(s), location, vehicle information (year, make, model), and the coverages selected. See below for the average cost of full coverage car insurance Missouri

Comprehensive : May be added onto a liability policy. Comprehensive will cover the vehicle for theft, fire, vandalism, glass breakage, and impact with an animal.

Collision : May be added onto a liability policy. Collision will cover the vehicle in the event of an accident with another vehicle, or object.

Factors that may Impact your Insurance Rate

The cost for Auto Insurance coverage does vary based on several factors such as the driver(s), location, vehicle information (year, make, model), and the coverages selected. Some of the common rating factors that are used to determine an insurance premium in Missouri are listed below.

What Rating Factors Affect Your Insurance Rates?
Factor	Rate Impact
Gender	Medium
How long have you owned the vehicle	Low
Credit history	High
Major Violations (DUI,DWI,etc)	High
Insurance History	Medium
Type of Vehicle Coverage	Medium
State Requirements	Medium
Profession	Low
Driving record	High
vehicle performance (symbol)	Medium

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Last Updated on September 10, 2024 by Camron Moss