motorcycle insurance in missouri

Motorcycle Insurance In Missouri
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Motorcycle Insurance In Missouri

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Motorcycle Insurance in Missouri: State Requirements

In the State of Missouri, you must carry the following liability limits: $25,000 per person for bodily injury and up to $50,000 per accident, and $25,000 for property damage.

Your liability limit is what pays out to the other party involved in an accident, if you are found At Fault, or liable. Same goes for the other person, if they are found At Fault in an accident, their liability limits will cover your bodily injury expenses, and property damage.

Drivers should consider increasing their liability limit coverage to match their assets, that way in the event they are found at fault in an accident, their limits can properly cover the other party and reduce the chances of being sued.

Other State coverages are option, such as Uninsured/Underinsured Motorist bodily injury protection, and Medical Payments. You can add these coverages for a small additional cost for greater protection.

Motorcycle Insurance in Missouri: Laws You Need to Know

The law in Missouri is that all drivers must carry the minimum limits of 25/50/25 for their liability limits.

Full coverage is not required by law, but may be required if you have a loan on your motorcycle.

In the event you are operating without liability insurance in force, you could face possible fines, penalties, suspended license, and even jail time.

Don’t get caught without insurance – call our agents for a fast, free quote.

Motorcycle Insurance in Missouri: Which Companies Offer It?

Many Insurance companies offer Motorcycle Insurance, and some specialize in just that.

If you choose a company that specializes in that certain product, you are likely to get the best price, coverage, and service.

A well known company for this is Dairyland Insurance. They have been specializing in Motorcycle Insurance, and offer some of the best prices and services.

There are other Insurance companies with great ratings, such as Progressive and Geico Insurance. These companies also make it easy to bundle and save money, as they do offer other products such as Home, Auto, Renters, RV, and Boat.

Motorcycle Insurance In Missouri: Best Liability Only Rates

Liability will provide coverage to another party, if you are found At Fault in an accident. Your liability limits will pay out for the other person(s) bodily injury expenses, and property damage to their vehicle.

Liability is the minimum of what is required to make you legal to operate a motorcycle, but you can customize your insurance policy. All States offer Uninsured/Underinsured Motorist coverage, as well as Medical Payments.

Adding these additional State coverages on, is still considered carrying liability coverage and can be very inexpensive.

It is important to understand your coverages you are selecting on your insurance policy, and ask questions if you are unsure. This will ensure you understand your coverages, and can help you determine if you would like any additional.

City in MissouriLiability Rates
Raymore$111.00
St. Joseph$116.00
Affton$126.00
Old Jamestown$117.00
Mehlville$103.00
Fort Leonard Wood$131.00
Marshall$101.00
Jefferson City$106.00
Lake St. Louis$107.00
Ozark$127.00
Troy$118.00
Blue Springs$125.00
Jackson$105.00
St. Louis$103.00
Carthage$110.00
Hannibal$102.00
Wildwood$130.00
Lemay$115.00
Grain Valley$103.00
Webb City$100.00
O’Fallon$135.00
Maryland Heights$112.00
West Plains$115.00
Nixa$107.00
Dardenne Prairie$117.00
Rolla$131.00
Fulton$135.00
Lee’s Summit$104.00
Cape Girardeau$117.00
Belton$133.00
Kirkwood$102.00
Columbia$113.00
Jennings$106.00
Poplar Bluff$98.00
Neosho$128.00
Wentzville$106.00
Chesterfield$98.00
Maryville$117.00
Sikeston$98.00
Manchester$132.00
Hazelwood$102.00
St. Charles$118.00
Ferguson$116.00
Springfield$130.00
Crestwood$107.00
St. Ann$119.00
Clayton$126.00
Warrensburg$103.00
Florissant$112.00
Liberty$125.00
Farmington$97.00
Independence$129.00
Festus$96.00
Spanish Lake$126.00
Excelsior Springs$114.00
Ballwin$125.00
University City$111.00
Creve Coeur$132.00
Gladstone$116.00
These annual liability rates for motorcycle insurance in Missouri show that coverage doesn’t have to break the bank!

Motorcycle Insurance in Missouri: Discounts You Might Be Missing Out On

Everyone loves discounts! Discounts can lead to great savings on your motorcycle policy, as well as others like your auto and home insurance policies.

One of the greatest, money saving discount is a bundle discount. This would be applied if you have more than one type of insurance policy through a company.

Other discounts that save a lot of money are the Pay in Full discount, where you pay the entire premium up front, leading to hundreds in savings.

Other discounts to look into are auto pay, advanced quoting, and safe driver discount. Many companies even offer discounts for customers who have completed a Safety course within the past 3 years.

Motorcycle Insurance in Missouri: Discount Opportunities!
PIF Discount
Operators Safety Course
Anti lock brakes
Motorcycle Rider Group Discount
vehicle usage & Mileage
MC Endorsement on License
multi policy
advanced quote
Operator’s Education Course
paperless
education discount
prior insurance
Garaged or locked storage
approved safety course
association membership
EFT Discount
Multi Lines Discount
Married discount
LoJack device
prompt payment
Homeownership Discount
Continuous Insurance Discount

Motorcycle Insurance in Missouri: Coverage Options

Insurance is very customizable, which means you don’t need to pay money for coverages you don’t need.

If you are looking for the minimum requirements to make you legal, you only need liability coverage.

If you want a little higher coverage, you can increase your liability limits, and even add additional coverages like Uninsured Motorist, and Medical payments.

If you own a newer bike, or are financing, you may want to consider full coverage. Full coverage is Comprehensive, and Collision which will cover fire, theft, vandalism, and impact with another animal, vehicle, or object. When selecting full coverage, you can choose your deductible whether that may be $100, $250, $500, or $1000. Your deductible is what you would be responsible for paying in the event of a claim, or accident where you were found at fault. Generally, the higher deductible you choose, the lower your premium will be.

You can also add coverages such as roadside, trip interruption, safety riding apparel coverage, and accessory coverage. Motorcycle Insurance is often very cheap, so adding extra coverages on may be a matter of a few dollars more.

Coverage Options for Motorcycle Insurance in Missouri
Liability
Guest Passenger Liability
Collision
Carried contents
Rental Reimbursement
Safety riding apparel
Physical Damage Plus
Transport Trailer coverage
Uninsured Motorist Property damage
Roadside
Comprehensive
Uninsured Motorist Bodily Injury
Optional Equipment
Roadside/Trip Interruption
Diminishing Deductible
Medical Payments

Motorcycle Insurance in Missouri: How do you Get a License?

Motorcycle Insurance In Missouri
  • Applicants looking to obtain a full Class M license or endorsement must be at least 18 years old.
  • They must pass the Class F and Class M examinations for written and on-cycle road skills, but the on-cycle skills test can be waived by showing a completion card from an approved motorcycle rider training course.
  • For drivers age 15, they must obtain a Class M permit in order to ride on public highways, in which they must also pass a State approved Motorcycle Rider Training Course.

Motorcycle Insurance in Missouri: Cheapest Full Coverage Rates

Full coverage motorcycle insurance will vary depending on your location, driver demographics such as age, gender, and driving experience, and the type of motorcycle you have. Generally, the cost for Motorcycle Insurance is very cheap, most cases much cheaper than Auto Insurance. When shopping and comparing quotes, make sure you are getting the same coverages on each quote so you are accurately comparing the costs. Your Insurance agent should be asking you discount questions to save you the most money possible, but if they don’t, be sure to inquire yourself. Every discount will help save money.

City in MissouriAverage Full Coverage
Webb City$203
Creve Coeur$177
University City$211
Ballwin$227
Nixa$230
Wentzville$205
Springfield$210
Liberty$223
Grain Valley$220
Chesterfield$226
Hazelwood$189
Joplin$204
Lemay$217
Neosho$240
Warrensburg$237
Concord$203
St. Louis$183
Excelsior Springs$191
Rolla$222
O’Fallon$185
St. Charles$186
Ozark$176
Jackson$204
Ferguson$219
Sikeston$234
Farmington$233
Raymore$204
Affton$223
Washington$209
Independence$185
Festus$218
Fort Leonard Wood$231
Gladstone$232
St. Joseph$190
West Plains$181
Manchester$209
Grandview$205
Kirkwood$194
Old Jamestown$219
Lee’s Summit$220
Jennings$205
Maryville$212
Kansas City$187
Webster Groves$179
Moberly$200
Full coverage for your choice of motorcycle insurance in Missouri might not be that much more than liability only.

Motorcycle insurance in Missouri: Rating Factors

Rating factors are used by Insurance companies to help determine the risk of a potential customer, and what their Insurance premium will be.

The higher the risk a customer is, the higher the insurance cost may be. If you are a low risk, you probably have a clean driving history without any accidents or violations.

You may have Good or Excellent credit, which shows you are able to make your payments on time.

Other factors include your location, and the amount of accidents and tickets in your area. If an area has a larger number of drivers on the road, a higher number of accident, the cost for insurance will likely be more in that area.

Insurance Rating Factors
occupation. Credit
gender
driving history
riding frequency
education level
Type of bike (engine size
rider experience
rider age
marital status
coverages

Motorcycle insurance in Missouri: Motorcycle Safety Tips

Its advised to do a thorough check of your bike before taking off.

  • Make sure the tire pressure is fine, your headlights, taillights, and blinkers are all working properly.
  • Make sure to always carry the appropriate documentation with you, such as your drivers license, insurance documents, and motorcycle registration in case you were to be pulled over.
  • Make sure to check the weather for each trip, and have a plan for any unforeseen circumstances.

Motorcycle insurance in Missouri: Frequently Asked Questions

  • Is insurance required on a motorcycle in Missouri?
  • Liability Insurance coverage is the only insurance requirement in Missouri.
  • Is insurance higher on motorcycles?
  • Insurance, on average, is very affordable on Motorcycles.
  • What state has the cheapest motorcycle insurance?
  • Most every State has cheap motorcycle insurance, lower populated areas will likely see the cheapest prices.
  • What insurance do motorcycles need?
  • The minimum requirement by law is liability coverage, if you are financing or own a newer bike you may want to consider full coverage, although it is not required by law.

Other Missouri Insurance Guides

Other Insurance Guides Missouri
Auto Insurance Missouri
Homeowners Insurance Missouri
SR22 Insurance Missouri

Last Updated on March 16, 2022 by Veronica Moss