liability insurance missouri

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.

Do You Know the Missouri Insurance Requirements?

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 Type	Required 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

How to Get the Cheapest Car 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 Company	Liability 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

H2: KEYWORDS KEYWORDS KEYWORDS!!!!

WRITE/INSERT 100-300 WORDS OF CONTENT. Don’t forget to break up the content!

Insert a relevant chart/graph/image/box/calculator/etc.

Another H2 Display SUGGESTION: Keyword RICH INFO BOX/FACT BOX

Insert Content (20-50 words)

Insert Content (20-50 words)

Insert Content (20-50 words)

H2: KEYWORDS KEYWORDS KEYWORDS!!!!

WRITE/INSERT 100-300 WORDS OF CONTENT. Don’t forget to break up the content!

Insert a relevant chart/graph/image/box/calculator/etc.

H2: KEYWORDS KEYWORDS KEYWORDS!!!!

WRITE/INSERT 100-300 WORDS OF CONTENT. Don’t forget to break up the content!

Insert a relevant chart/graph/image/box/calculator/etc.

H2: KEYWORDS KEYWORDS KEYWORDS!!!!

WRITE/INSERT 100-300 WORDS OF CONTENT. Don’t forget to break up the content!

Insert a relevant chart/graph/image/box/calculator/etc.

H2: Think about adding a Calculator? Choose one, don’t use multiple

Insurance Cost Estimator

Type of CoverageLiabilityFull Coverage

“Should I Get Full Coverage” Calculator

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

Send Message

Insurance Discount Calculator

Check all That Apply (Average Discounts)

Payment DiscountsEFT (Auto Pay)Paid in FullBill by Mail

Lifestyle Discounts

MarriedGood Credit

Misc. Discounts

Good StudentDefensive Driver Discount

Driver Discounts

Accident/Violation FreeUser based program (snapshot)

Other Discounts

Bundled Policies6 Months of Continuous insurance

Most Companies Max out discounts at 25 to 35%.

%

Number

Send Message

Insurance Cost Estimator

Type of CoverageLiabilityFull Coverage

Additional Helpful Links

• IF you are assigned a state where we have multiple city pages, think about adding a box of links to those city pages
• Link other product pages that are related to this state

Last Updated on February 10, 2023 by Alexandra Vileikis