Cheap Liability Insurance in Missouri
Liability Insurance Missouri
Missouri Insurance Requirements: 25/50/10
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- Liability Insurance Missouri
- Liability Insurance Missouri: What is Auto Liability Insurance?
- What are the liability laws in Missouri?
- Cheap Liability Insurance in Missouri
- Do You Know the Missouri Insurance Requirements?
- Cheap Missouri Insurance
- Cheap Liability Insurance in Missouri
- Liability Only Vs. Full Coverage Sample Rates
- Who has the lowest liability price in Missouri (by city)
- What does Liability Insurance in Missouri typically cover?
- How much Liability Insurance is required in Missouri?
- Are there additional coverage options that complement Liability Insurance in Missouri?
- Insurance Cost Estimator
- Insurance Discount Calculator
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
- Edit Article Information
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
| City | Average 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?
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 |
Cheap Missouri Insurance
| City | Average 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 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 |
Who has the lowest liability price in Missouri (by city)
| City | Average Price |
|---|---|
| Moberly | The General |
| Grandview | Liberty Mutual |
| Crestwood | Farmers |
| Raymore | Dairyland* |
| Spanish Lake | The General |
| Lebanon | Geico |
| Webster Groves | Bristol West |
| Wentzville | The General |
| Kansas City | Geico |
| Carthage | Progressive |
| Jefferson City | Bristol West |
| Grain Valley | Geico |
| Nixa | Progressive |
| Oakville | Geico |
| Jennings | Progressive |
| University City | Geico |
| Columbia | Geico |
| Manchester | National General |
| Old Jamestown | Bristol West |
| Sedalia | Bristol West |
| Ballwin | Progressive |
| St. Ann | Progressive |
| Maryland Heights | Geico |
| Belton | Farmers |
| Warrensburg | Liberty Mutual |
| Republic | Progressive |
| Liberty | Progressive |
| Raytown | Progressive |
| Kirksville | Geico |
| Jackson | The General |
| Maryville | Geico |
| Blue Springs | Geico |
| Joplin | Progressive |
| Chesterfield | The General |
| Ferguson | The General |
| Hannibal | Bristol West |
| Rolla | Progressive |
| Lemay | Geico |
| Springfield | The General |
| Wildwood | The General |
| Kirkwood | Farmers |
| St. Louis | Liberty Mutual |
| Excelsior Springs | Geico |
| Fort Leonard Wood | Geico |
| Marshall | The General |
| Arnold | Geico |
| St. Peters | Geico |
| Troy | Progressive |
| Neosho | Farmers |
| O’Fallon | Geico |
| Affton | Geico |
| Festus | Progressive |
| Washington | National General |
| Creve Coeur | Liberty Mutual |
| Webb City | Bristol West |
| Independence | The General |
| Mehlville | Liberty Mutual |
| Clayton | Progressive |
| Gladstone | Geico |
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.
Insurance Cost Estimator
Insurance Discount Calculator
Additional Helpful Links
| Additional Missouri Insurance |
|---|
| Auto Insurance | Missouri |
| Full Coverage Insurance | Missouri |
| SR22 Insurance | Missouri |
| Homeowners Insurance | Missouri |
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Last Updated on by Alexis Karapiperis