liability insurance missouri
Cheap Liability Insurance in Missouri

Liability Insurance Missouri

Missouri Insurance Requirements: 25/50/10

By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Liability Insurance Missouri: What is Auto Liability Insurance?

Most people know they need car insurance, but not everyone fully understands what an auto policy entails.

The most important to part of the policy to grasp, is the liability portion. This is because it is the part that is required by law.

While you can technically exclude all of the bells and whistles in your policy to make it as cheap as possible, you must at least have the liability limits that your state requires.

The amount of coverage that the state requires is the dollar amount you will have available to cover someone’s bodily injury and property damage if YOU are the one considered at fault.

If you are pulled over, or cause an accident, and are caught WITHOUT the required coverage you could be asked to pay hundreds of dollars in fines, serve time in jail, or be asked to surrender your vehicle registration and have your license revoked.

What are the liability laws in Missouri?

According to Missouri law, drivers must have liability insurance that covers at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. This coverage is designed to provide financial protection in case you’re found at fault in an accident, helping to cover medical expenses, property damage, and legal fees.

Additionally, Missouri operates under a system of pure comparative fault, meaning that even if you’re partially responsible for an accident, you can still seek compensation for damages. However, the amount you receive may be reduced based on your degree of fault. Understanding these laws and securing adequate liability insurance coverage is crucial for all drivers in Missouri, not only to comply with legal requirements but also to safeguard against unexpected financial liabilities in the event of an accident.

Cheap Liability Insurance in Missouri

CityAverage Price
St. Peters$96.00
Gladstone$86.00
Raytown$99.00
Troy$92.00
Cape Girardeau$97.00
Spanish Lake$99.00
Hazelwood$105.00
Farmington$102.00
Independence$104.00
Concord$88.00
Warrensburg$97.00
Wildwood$110.00
Lee’s Summit$96.00
St. Joseph$109.00
Ballwin$103.00
Kansas City$110.00
Lemay$86.00
Fulton$97.00
Liberty$104.00
Poplar Bluff$96.00
Overland$104.00
St. Louis$105.00
Springfield$106.00
University City$104.00
Lebanon$107.00
St. Ann$94.00
Crestwood$91.00
Chesterfield$90.00
Moberly$105.00
Sedalia$105.00
Arnold$96.00
Raymore$102.00
Ozark$87.00
Maryville$93.00
Wentzville$95.00
Mehlville$106.00
Grandview$94.00
Oakville$90.00
Clayton$92.00
Hannibal$95.00
Webb City$99.00
Excelsior Springs$99.00
St. Charles$103.00
Festus$98.00
Creve Coeur$106.00
Joplin$98.00
Rolla$104.00
Ferguson$104.00
Belton$88.00
Fort Leonard Wood$107.00
Florissant$109.00
Lake St. Louis$108.00
West Plains$106.00
Blue Springs$93.00
O’Fallon$87.00
Dardenne Prairie$101.00
Jennings$94.00

Do You Know the Missouri Insurance Requirements?

liability insurance missouri

Don’t get caught driving without having Missouri’s bare minimum insurance requirements! If you are not certain if your policy’s liability limits are sufficient, call us now!

Coverage TypeRequired Amount
Bodily Injury Liability Per Person$25,000
Bodily Injury Liability Per Occurrence$50,000
Property Damage Liability$25,000
Uninsured Motorist Coverage Bodily Injury/Per Person$25,000
Uninsured Motorist Coverage Bodily Injury/Per Occurrence$50,000
You may opt of medical payments in Missouri, but a rejection form is required.

Cheap Missouri Insurance

CityAverage Price
Jackson$179
Fulton$171
Jefferson City$173
O’Fallon$148
Creve Coeur$157
Kirkwood$172
St. Peters$173
Arnold$151
Old Jamestown$173
Jennings$175
Overland$180
Crestwood$174
Moberly$154
St. Charles$163
Chesterfield$170
Grain Valley$174
Hazelwood$170
Republic$159
Troy$159
Gladstone$165
University City$148
Springfield$161
Sikeston$169
Wentzville$172
St. Joseph$159
Blue Springs$160
Lebanon$152
Warrensburg$160
Raytown$180
Kirksville$179
Webb City$178
Manchester$159
Independence$173
Kansas City$147
Poplar Bluff$156
Ballwin$182
Maryland Heights$177
Fort Leonard Wood$166
Cape Girardeau$163
Raymore$157
Festus$155
Mehlville$156
Lake St. Louis$170
Nixa$155
Dardenne Prairie$155
Webster Groves$155
Affton$172
St. Ann$181
Hannibal$154
St. Louis$151

Cheap Liability Insurance in Missouri

Many people in need of cheap liability insurance in Missouri, or anywhere for that matter, opt to have liability only insurance.

This is a great option to cut insurance premiums in half, as long as you are sure that you are at least in compliance with the Missouri insurance requirements.

If your vehicle is older and completely paid off, and you don’t need to have comprehensive or collision coverage on your policy, see how liability only insurance compares to a full coverage policy.

Liability Only Vs. Full Coverage Sample Rates

While your personal rates might vary (insurance premiums are based on multiple rating factors) if you are wondering how to get the cheapest car insurance in Missouri, liability only might be the way.

Auto Insurance CompanyLiability Only Avg. Rates Full Coverage Avg. Rates
Dairyland$71$145
Geico$80$175
The General$83$140
Progressive Insurance$86$145
Mendota Ins. Company$87$145
National General$99$145
Bristol West$113$150
Farmers$113$140
USAA$122$155
21st Century$130$160
GAINSCO$131$150
Safeco$134$145

Who has the lowest liability price in Missouri (by city)

CityAverage Price
MoberlyThe General
GrandviewLiberty Mutual
CrestwoodFarmers
RaymoreDairyland*
Spanish LakeThe General
LebanonGeico
Webster GrovesBristol West
WentzvilleThe General
Kansas CityGeico
CarthageProgressive
Jefferson CityBristol West
Grain ValleyGeico
NixaProgressive
OakvilleGeico
JenningsProgressive
University CityGeico
ColumbiaGeico
ManchesterNational General
Old JamestownBristol West
SedaliaBristol West
BallwinProgressive
St. AnnProgressive
Maryland HeightsGeico
BeltonFarmers
WarrensburgLiberty Mutual
RepublicProgressive
LibertyProgressive
RaytownProgressive
KirksvilleGeico
JacksonThe General
MaryvilleGeico
Blue SpringsGeico
JoplinProgressive
ChesterfieldThe General
FergusonThe General
HannibalBristol West
RollaProgressive
LemayGeico
SpringfieldThe General
WildwoodThe General
KirkwoodFarmers
St. LouisLiberty Mutual
Excelsior SpringsGeico
Fort Leonard WoodGeico
MarshallThe General
ArnoldGeico
St. PetersGeico
TroyProgressive
NeoshoFarmers
O’FallonGeico
AfftonGeico
FestusProgressive
WashingtonNational General
Creve CoeurLiberty Mutual
Webb CityBristol West
IndependenceThe General
MehlvilleLiberty Mutual
ClaytonProgressive
GladstoneGeico

What does Liability Insurance in Missouri typically cover?

Liability Insurance in Missouri usually covers bodily injury and property damage for which you’re found legally responsible after an accident. It helps pay for medical bills, legal expenses, and damages to others’ property caused by your actions.

How much Liability Insurance is required in Missouri?

In Missouri, the state’s minimum liability insurance requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. It’s recommended to consider higher coverage based on your circumstances.

Are there additional coverage options that complement Liability Insurance in Missouri?

Yes, you might consider options like Uninsured/Underinsured Motorist coverage, Medical Payments coverage, or Personal Injury Protection (PIP) to supplement your Liability Insurance in Missouri, offering added financial protection in various situations.

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Additional Helpful Links

Additional Missouri Insurance
Auto Insurance | Missouri
Full Coverage Insurance | Missouri
SR22 Insurance | Missouri
Homeowners Insurance | Missouri
Liability Insurance Missouri

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