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Minimum State Insurance Requirements » Missouri

25 / 50 / 10

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



Missouri Car Insurance Information

Missourians who want to cut through the confusion and quickly score great deals on quality car insurance turn to, the ultimate online source for up-to-date Missouri car insurance information. In addition to exclusive deals from local agencies and top national companies, also provides key statistics like average annual premiums, DUI penalties, and uninsured driver rates.

Missouri Car Insurance Information

Missouri is often described as a bellwether state, accurately representing the wider United States demographically and culturally. Nevertheless, considerable geographic variation exists in Missouri, with fertile cropland in the north and west giving way to the forested Ozark Plateau in the south. Two major cities of historical and commercial importance, Saint Louis and Kansas City, exist in east-central and west-central Missouri, respectively.

Traffic in the two major metropolitan and unpredictable weather make for tricky driving in Missouri, and residents are accordingly encouraged to obtain good insurance policies. At $1,160, average annual premiums here are affordable, but a high population of uninsured drivers means that Missourians must be aware that not everyone they meet on the road will have insurance. Fortunately, the state’s no-fault law transfers some of the financial burden away from the insured party.

Car Insurance Minimum Requirements

To lawfully operate a vehicle in Missouri, drivers must carry a minimum insurance coverage of 25/50/10. Drivers who don’t have per-person injury liability coverage worth $25,000, per-vehicle injury liability coverage of $50,000, and property damage liability coverage of $10,000 may be subject to stiff penalties. The good news is that these minimum coverage levels are about average compared to other states.

Car Insurance Companies

Missouri is home to a diverse array of auto insurance companies. Major cities like Saint Louis and Kansas City host branch offices for just about every nationally-known agency, while smaller towns in the state’s rural heartland often feature just one independently-owned outfit that has cultivated meaningful relationships with local folks for generations. Missouri’s rural economy depends on the insurance services provided by these independent outfits; without them, owning farm equipment and work trucks would be significantly more burdensome.

Free Car Insurance Quotes For Missouri

Wherever they get their insurance, Missouri drivers have one thing in common: they want the best possible deals on insurance and they want them now. Fortunately, brings folks the lowest auto insurance rates from the most companies thanks to a database searchable either by zip code or vehicle make and model information. Using is easier and faster than calling or even visiting the websites of each company individually.

Car Insurance Rates

Despite a high rate of uninsured drivers, Missouri’s annual insurance premiums remain affordable at $1,160 or roughly $97 per month. This is likely due to the state’s low cost of living as well as its drivers’ good habits. Compared to neighboring states, Missouri’s insurance is more expensive than Iowa, Kansas, and Illinois but less expensive than Kentucky and Arkansas. With, Missouri drivers can rest assured they’re getting the best possible deals!