Missouri · The credit is not the coverage
A multi-policy, good-student, or telematics credit changes what you pay. It does not add uninsured motorist, rental, or gap, and this page will not invent a percent off.
Missouri’s liability floor has long been described as $25,000 per person, $50,000 per accident, and $25,000 property damage, with uninsured-motorist bodily injury at 25/50. Confirm the current numbers with the state before you treat that as today’s law. Whatever the floor is, a discount does not change it. The base rate is the carrier’s price for the drivers, the cars, the garaging address, and the limits. Kansas City and a rural county can start from different bases with the same discount names on the quote.
The policy underneath the credits: Missouri auto insurance and bundling home and auto. Shopping in the city, without a fake percent: Kansas City. The same idea elsewhere: Texas discounts and Tennessee discounts.
