(800) 253-1482Missouri Liability Car Insurance Coverage
Summary: While all drivers must have liability car insurance in Missouri, you may find that additional coverage best suits your needs. Get quotes from top-rated auto insurance carriers to review the coverage you need, find the lowest premiums available, and protect yourself while staying legal. Estimated Read Time: 4 mins
Whether you’re sticking to your daily commute through Kansas City or taking another weekend trip through the Ozarks, you’re going to need liability car insurance in Missouri.
Drivers have plenty of coverage options but liability is mandatory under Missouri state law requiring all motorists to maintain financial responsibility.
For some, getting the bare minimum coverage is enough, however, full coverage is also available for a better level of protection against more perils drivers may face.
Remember, drivers must also maintain a minimum amount of uninsured motorist bodily injury (UMBI) coverage as well.
To compare top-rated carriers near you offering liability and full coverage, get a free, no-obligation quote using the tool below.
What Is Liability Car Insurance Coverage in Missouri?
Liability car insurance coverage helps you restore the losses to another driver if you cause an accident. This type of Missouri auto insurance has two parts of protection:
- Bodily Injury Liability Coverage - This helps you cover the medical expenses of the other parties when you’re at fault in an accident.
- Property Damage Coverage - A protection that helps you restore losses to the property damaged in an accident belonging to affected parties.
All drivers must have at least $25,000 in bodily injury coverage per person, $50,000 in total bodily injury coverage per accident, and $25,000 in property damage coverage per accident.
Keep in mind that drivers who do not maintain these minimums open themselves up to legal issues with police as well as potential lawsuits involving affected parties after an accident.
Missouri Car Insurance Liability vs Full Coverage
Having auto liability insurance is necessary but there are several perils you won’t be covered for if you suffer a loss.
For example, you will receive protection if you cause an accident and need to pay for the repairs of someone else’s vehicle, however, you will need to cover your own vehicle’s damages if you don’t have collision insurance.
Similarly, if your vehicle is damaged by hail, snow, or flooding, you won’t have coverage with liability alone. For weather-related damage, comprehensive auto insurance is necessary.
One popular method of adding more protection and receiving a multi-policy discount in the process is through full coverage auto insurance.
While not mandatory by Missouri law, the terms and conditions of your lease or loan may dictate full coverage is required.
Less of a distinct type of car insurance, full coverage may consist of different protections depending on your needs and carrier, but most commonly, will include at least liability, comprehensive, and collision coverages in one.
Full coverage is a great option for many motorists, however, if you are looking to take on more risk to save on the cost of insurance, liability only may be a better option.
Here are a few considerations to help you better understand when liability only may be a better option:
- You have a great driving record and don’t drive often.
- Your vehicle is older, a secondary vehicle that doesn’t get much use, or simply a vehicle that isn’t worth much.
- You’re looking to temporarily take on more risk to save money.
While there are some instances when drivers in Missouri may benefit from liability coverage only, here are some considerations when you may want to opt for full coverage:
- You live in an area where weather-related damage is a serious threat.
- You can’t afford to restore the damage to your vehicle after a major or total loss.
- Similarly, you are looking to protect against the risk of elevated medical expenses you might face after an accident.
Comparing Missouri Liability vs Full Coverage Deductibles
When deciding between liability and full coverage, keep in mind one of the main differences you’ll need to account for is paying deductibles.
If you are filing a claim for comprehensive or collision claims, you’ll first need to cover your deductible before receiving your reimbursement, whereas there is no deductible for liability auto insurance.
Drivers can maintain a higher deductible for lower premiums, however, you’ll need to be prepared to pay more upfront after suffering a loss.
Get Cheap Liability Car Insurance Coverage in Missouri
Finding cheap liability car insurance coverage in Missouri doesn’t have to be a hassle.
At Freedom Insurance Group, we work with multiple top-rated carriers to help you compare rates from trusted companies and find the lowest price possible.
Customers save an average of 40% when switching and our team is here to help you continue to save in the future through comparing future policies, applying discounts, and identifying the best bundles.
Get in touch with us to ask an agent about your coverage needs or get an auto insurance quote in just a few clicks.
