- State Requirements for Missouri Insurance
- Motorcycle Insurance in Missouri: Laws You Need to Know
- Which Companies Offer Missouri Motorcycle Insurance?
- Who is the cheapest for motorcycle insurance?
- Best Liability Only Rates for Motorcycle Insurance In Missouri
- Discounts You Might Be Missing Out On
- Motorcycle Insurance Coverage Options
- Motorcycle Insurance in Missouri: How do you Get a License?
- Motorcycle Insurance in Missouri: Cheapest Full Coverage Rates
- Rating Factors on Motorcycle insurance in Missouri
- Motorcycle Insurance in Missouri Safety Tips
- Motorcycle insurance in Missouri: Frequently Asked Questions
- What does Motorcycle Insurance in Missouri typically cover?
- How can A Plus Insurance help me find the best rates for motorcycle insurance?
- Questions about Motorcycle Insurance in Missouri? Call us at 1.888.445.2793.
- INSURANCE SERVICES WE OFFER
- Other Missouri Insurance Guides
State Requirements for Missouri Insurance
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.
Which Companies Offer Missouri Motorcycle Insurance?
Many Insurance companies offer Motorcycle Insurance in Missouri, 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.
Who is the cheapest for motorcycle insurance?
Looking for Motorcycle Insurance in Missouri? When it comes to finding the cheapest motorcycle insurance rates in the Show-Me State, consider Progressive and Dairyland. These providers offer competitive rates and various discounts for motorcycle owners. Additionally, Gainsco and Assurance America are worth exploring for budget-friendly options. Be sure to compare quotes from multiple carriers to find the best rate for your motorcycle insurance needs.
Cheapest Motorcycle Insurance Providers in Missouri:
- Progressive
- Dairyland
- Gainsco
- Assurance America
Remember to inquire about discounts such as multi-policy, safe rider, and loyalty incentives to further reduce your motorcycle insurance premiums. By comparing rates from different insurers, you can secure affordable coverage without compromising on quality.
Best Liability Only Rates for Motorcycle Insurance In Missouri
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 Missouri | Liability 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 |
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 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?
- 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 in Missouri 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 Missouri | Average 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 |
Rating Factors on Motorcycle insurance in Missouri
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 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
What does Motorcycle Insurance in Missouri typically cover?
Motorcycle Insurance in Missouri generally covers liability protection, medical payments, uninsured/underinsured motorist coverage, and comprehensive/collision coverage. It’s essential to review your policy to understand specific coverage details.
How can A Plus Insurance help me find the best rates for motorcycle insurance?
A Plus Insurance specializes in shopping multiple carriers to help you find the best rates for Motorcycle Insurance in Missouri. Our experienced team will compare options and guide you to a policy that meets your coverage requirements and budget.
Questions about Motorcycle Insurance in Missouri? Call us at 1.888.445.2793.
If you have any questions specific to Motorcycle Insurance in Missouri or need personalized assistance, call A Plus Insurance at 1.888.445.2793. Our team is ready to provide the information you need to make informed decisions.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Other Missouri Insurance Guides
| Other Insurance Guides Missouri |
|---|
| Auto Insurance Missouri |
| Homeowners Insurance Missouri |
| SR22 Insurance Missouri |
For personalized assistance, call us at 1.888.445.2793.
Last Updated on by Marlon Moss