What is the minimum coverage required for auto insurance in Missouri?

Missouri requires drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability, and $10,000 in property damage coverage.

How can I lower my auto insurance premium in Missouri?

Maintain a clean driving record, increase your deductible, bundle home and auto policies, and ask about discounts for students, safe drivers, or low mileage.

How often should I update my auto policy?

It’s wise to review your policy every year, or after major life events like moving, marriage, or buying a new car.

Explore Your Options for Missouri Auto Insurance

Finding affordable Missouri auto insurance can be straightforward if you know what to look for. When I compared real rates across St. Louis recently, some reputable providers started basic liability plans as low as $40/month. That shows how much pricing can vary—especially when you use smart comparison tools and focus on your unique driving profile.

Quick Guide to Missouri Auto Insurance

Missouri drivers have flexible coverage options, whether you want basic liability or comprehensive protection. If you're a first-time buyer or just looking to switch, understanding these choices—and the factors that affect your premium—can help you secure the best value. Below, we break down coverage types, top discounts, and actionable tips to cut your monthly costs.

Compare Missouri Auto Insurance Rates by ZIP Code

Instantly compare rates from top Missouri insurance providers.

What Are Your Coverage Options?

Liability Insurance: Legally required in Missouri; covers injury or damage you cause to others.
Collision Coverage: Pays for damage to your vehicle after a covered accident.
Comprehensive Coverage: Covers non-collision events—like theft, vandalism, or weather damage.
Uninsured Motorist: Protects you if you’re hit by a driver without insurance.

Drive an EV or hybrid? Explore unique rate breaks with eco-friendly car insurance options—insurers increasingly offer discounts for green vehicles.

What Impacts Your Missouri Premium?

Rates aren’t set in stone. Key factors include your driving record, vehicle age, ZIP code (urban vs. rural), and even credit score.

Driving history and past claims
Car type, model, and age
Where you live and park your car
Credit-based insurance score

For more details, see our article on state-by-state auto insurance laws or compare Geico rates vs. other providers.

Smart Ways to Lower Your Rates

Keep your driving record clean and accident-free
Opt for a higher deductible if it fits your budget
Bundle home and auto policies for extra discounts
Claim safe driver, low-mileage, and student discounts

Use our insurance comparison tool to see real-time quotes and maximize your savings with exclusive offers.

Missouri Auto Insurance FAQ

What’s the minimum required coverage in Missouri?
Missouri law requires at least $25,000 per person/$50,000 per accident for bodily injury liability, plus $10,000 for property damage.

Can I customize my auto policy?
Absolutely. As long as you meet state minimums, you can add coverage to fit your needs—like roadside assistance or rental reimbursement.

How often should I review my policy?
Revisit your insurance each year or after major life events—like moving, marriage, or buying a new car—to keep your rates competitive.

Start Comparing Missouri Quotes Now

Equipped with these tips, you’re ready to shop. Use the ZIP code form above to compare Missouri auto insurance quotes, unlock hidden discounts, and find a policy that fits both your needs and your budget. It only takes a few minutes—and could save you hundreds this year.

For deeper insights, check our other guides on auto insurance laws by state or unlocking the best deals to stay ahead of the curve.