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.


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.

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 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

H2: KEYWORDS KEYWORDS KEYWORDS!!!!

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2022 liability insurance missouri

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

Insurance Cost Estimator


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OTHER HELPFUL LINKS: SUGGESTIONS

  • 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 by Veronica Moss