Cheap Car Insurance Quotes MO
Affordable Auto Insurance: All About Full Coverage in Missouri
Fast, Affordable, Full Coverage Insurance in Missouri
By Lauren McKenzie | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
Sample Car Insurance Quotes Missouri
Missouri Liability Insurance
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 |
Most Affordable Car Insurance Quotes MO
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 |
Cheap Car Insurance Springfield Missouri Discounts
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 |
Missouri Full Coverage
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 |
Frequently Asked Questions About Car Insurance Quotes in Missouri
Q1: How can I get car insurance quotes in Missouri?
A1: You can get car insurance quotes in Missouri by contacting insurance companies directly, using online insurance quote tools on their websites, or working with an independent insurance agent who can provide you with quotes from multiple insurers. To get accurate quotes, you’ll need to provide information about your vehicle, driving history, and coverage needs.
Q2: What factors influence the cost of car insurance quotes in Missouri?
A2: Several factors can influence the cost of car insurance quotes in Missouri, including your age, driving record, the type of vehicle you drive, your location, coverage limits, and deductible choices. Additionally, factors like your credit score and marital status may also affect your rates.
Q3: Should I compare car insurance quotes from multiple companies in Missouri?
A3: Yes, it’s advisable to compare car insurance quotes from multiple companies in Missouri. Different insurers may offer varying rates and coverage options. Comparing quotes allows you to find the best coverage for your needs at a competitive price. Working with an independent agent can simplify the comparison process.
Last Updated on by Marlon Moss