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

Missouri requires drivers to carry liability insurance with minimum coverage of $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $10,000 for property damage.

How can I lower my auto insurance premiums?

You can lower your premiums by maintaining a clean driving record, increasing your deductible, bundling policies, and taking advantage of available discounts.

Explore Your Options for Missouri Auto Insurance

Choosing the right auto insurance in Missouri doesn’t have to be overwhelming. From basic liability to full coverage options, knowing what each plan offers helps you get the protection you need—without overspending. In this guide, you’ll learn about coverage types, how to save, and what affects your premium.

Experience: I recently compared auto insurance quotes in St. Louis and found rates starting as low as $40 per month for basic plans.

Quick Guide to Missouri Auto Insurance

Missouri offers flexible coverage options to fit different needs and budgets. Whether you're a new driver or looking to switch providers, understanding your choices is key. Below, we explain coverage types, common discounts, and tips to save money on your premium.

Compare Missouri Auto Insurance Rates by ZIP Code

Instantly compare rates from providers in Missouri.

What Are Your Coverage Options?

Liability Insurance: Required by Missouri law. Covers damage or injury you cause to others.
Collision Coverage: Pays for your vehicle’s damage after an accident.
Comprehensive Coverage: Covers theft, vandalism, weather damage, and other non-collision events.
Uninsured Motorist: Protects you if someone without insurance hits your car.

If you drive an electric or hybrid vehicle, check out options for eco-friendly car insurance which often include unique discounts.

What Affects Your Missouri Premium?

Several factors can impact how much you pay for auto insurance in Missouri, such as:

Driving history and accident record
Vehicle type and age
ZIP code (urban vs. rural)
Credit score

Want to learn more? Review our guide on state-by-state auto insurance laws or compare Geico vs other top insurers to see how rates stack up.

Smart Ways to Lower Your Rates

Maintain a clean driving record
Increase your deductible (if you can afford it)
Bundle home and auto insurance policies
Take advantage of safe driver, low-mileage, or student discounts

Use this free tool to compare insurance quotes and unlock exclusive savings.

Frequently Asked Questions

Q: What’s the minimum coverage required in Missouri?
A: Missouri drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability, plus $10,000 in property damage coverage.

Q: Can I customize my policy?
A: Yes! You can build a policy that fits your needs—as long as it meets Missouri’s minimum legal requirements.

Q: How often should I update my policy?
A: It’s a good idea to review your policy every year, or after life events like moving, getting married, or buying a new car.

Start Comparing Quotes Now

Now that you’re equipped with the knowledge you need, get started. Use the ZIP code tool above to compare Missouri auto insurance plans and start saving today!