(800) 253-1482Missouri Auto Insurance Guide
Summary: Missouri auto insurance is higher than the U.S. national average, however, comparing multiple carriers, bundles, and discounts can help you save. State minimums help protect you against liability by maintaining financial responsibility, however, additional coverages are available for a more complete approach to your car insurance. Estimated Read Time: 3 mins
If you’re looking for Missouri auto insurance, we’ve got you covered. Here at Freedom Insurance Group, we can help keep you legal for less with liability coverage, prepared for more risks through full coverage, and everything in between. Get a quick, no-obligation quote below for free. We can even bundle your car insurance with home or renters to help you save even more.
How Much Is Car Insurance in Missouri?
On average, drivers pay $790 per year for minimum coverage and $1989 per year for full coverage in Missouri.
Keep in mind these costs will vary from driver to driver for a number of factors, including the following:
- Age
- Driving record
- Where you live
- Deductibles
- Marital status
- Gender
- Discounts and home and auto bundles
- Your credit score
Generally, finding cheap auto insurance can be difficult as the Show-Me State has higher rates than the national average.
If you’re looking to save, your best bet is to compare multiple carriers and coverage options to identify the lowest cost for your protection needs.
Missouri Auto Insurance Discounts
While Missourians may pay higher auto insurance rates than others, there are still plenty of ways to save. Here are a few common ways drivers can receive discounts for their coverage:
Bundling
If you have both home and auto insurance, bundling them together allows you to receive a lower rate for both without giving up coverage.
Renters have options too. You can bundle your renters insurance with an auto policy for similar savings.
When comparing your car insurance options, always shop multiple bundles to find the lowest rate for your coverage.
Multi-Car Discounts
Similar to bundling, you can save on auto insurance by combining coverages if you have multiple vehicles.
This is a great option for families with multiple drivers, however, keep in mind drivers with less-than-perfect driving records may cause multi-vehicle discounts to suffer.
Ideally, combining multiple vehicles helps you save but each driver on the policy will still need to avoid accidents, speeding tickets, etc.
Pay In Full or Online
Drivers who pay their entire premium upfront can save on auto insurance. For most carriers, this means paying twelve months' worth of premium, however, some carriers only require six months of premium to save.
Furthermore, if you have the option to go paperless or pay online, you can also enjoy savings on your policy.
Safe Driving
Driving safely should be everyone’s goal and if you do, your carrier will reward you with lower premiums.
Not only does safe driving help you avoid accidents but many auto insurance companies provide drivers with discounts.
While qualifying for safe driving may vary from carrier to carrier, generally speaking, you’ll need to avoid having an accident or submitting a claim for a predetermined period.
Good Student
Students in high school and college may receive discounts for maintaining good grades while in school.
Younger drivers have the highest car insurance premiums as they are more risky to insure.
Carriers find that good students are better drivers and more responsible, and reward younger motorists who maintain their academics with savings.
What Are the Requirements for Auto Insurance in Missouri?
The Missouri auto insurance requirements dictate that all drivers must have the following liability coverage minimum in place to legally operate on the road:
- $25,000 in bodily injury coverage per person
- $50,000 in total bodily injury coverage per accident
- $25,000 in property damage coverage per accident
Furthermore, Missouri also requires a minimum of $25,000 per person and $50,000 per accident in uninsured motorist bodily injury (UM BI) coverage.
While these are the minimum standards for Missouri auto insurance policies, they won’t cover everything.
If you’re looking to stay covered for more perils, be sure to check out additional coverage options below which can help cover you against medical expenses, weather-related damage, and much more:
- Liability car insurance
- Uninsured/underinsured motorist (UI/UM) coverage
- Collision insurance
- Comprehensive insurance
- Full coverage
- Gap insurance
- Rental car reimbursement
- Roadside assistance
- Medical payments or personal injury protection (PIP) coverage
Compare coverages and find affordable rates on auto insurance quotes in Missouri in just a few clicks.
