What Is Full Coverage Auto Insurance in Missouri?

Summary: Full coverage car insurance isn’t a single policy, but a mix of protections that usually cover accidents and weather-related damage. While it offers broad protection, it doesn’t cover every risk drivers in Missouri may face. To make sure you're fully covered and getting the best deal, it's essential to review your policy with an agent and compare different options to find the lowest premium. Estimated Read Time: 5 mins

Full Coverage In Missouri Explained

Full coverage car insurance refers to a combination of coverages available to drivers in Missouri that protect both you and your vehicle.

It's more of an industry term rather than a specific policy, however, full coverage typically includes the following:

Liability Coverage: Mandatory in most states and covers damages you cause to others, such as bodily injury and property damage.
Collision Insurance: Handles repairs to your own car after an accident, regardless of fault
Comprehensive Insurance: Protects against non-collision incidents like theft, fire, or natural disasters.

In addition to these three coverages, medical payments (MedPay) or personal injury protection (PIP) are available to cover medical expenses for you and your passengers, and uninsured/underinsured motorist coverage is also an option to step in if you're hit by a driver with insufficient insurance.

While full coverage provides broader protection, it doesn’t cover every possible situation, so it's essential to review your policy and work with an agent to find the right policies to protect against risks relevant to you.

How Much Is Full Coverage Car Insurance in MO?

The average cost of full coverage car insurance in Missouri is typically between $109 and $143 per month, but rates can vary based on factors like personal details, deductibles, and driving trends throughout the state.

However, since every driver has a different level of risk and each carrier calculates risk in its own way, be sure to compare options near you to avoid overpaying for coverage.

Covering Your Deductible

Full coverage auto insurance is going to likely come with deductibles drivers must pay before receiving reimbursement after filing a claim. For example:

If you have a liability claim, you won’t have to worry about a deductible.
However, if you’re submitting a claim because of your comprehensive or collision coverage, you’ll have to pay your deductible before your carrier pays for the rest.

Drivers in Missouri set their deductible when enrolling in car insurance and can use it to their advantage.

In general, if you pay a higher deductible, you’ll save on premiums and vice versa.

This is useful to help you better protect yourself from financial issues.

Drivers who can afford to pay more in the event of an accident may be better off with higher deductibles and lower monthly payments while those who need more security around their finances may do well paying a bit more monthly without worrying about a large, unexpected expense.

How to Find the Cheapest Full Coverage Car Insurance in Missouri

Each carrier offers different premiums due to its own algorithms and metrics along with personal factors that change from person to person.

To find the cheapest available full coverage options available, it’s important to compare a variety of options and enroll in the coverage the best protects you at the lowest possible price.

When shopping for Missouri auto insurance policies, drivers need to focus on a few criteria:

Is this the right coverage for my vehicle and finances?
Am I getting the lowest possible rate?
Is this coverage coming from a trusted, top-rated insurance company?

To shop and compare top-rated carriers near you, use our car insurance quote tool below, or ask an agent about full coverage and your other protection options.

What Does Full Coverage Auto Insurance Cover for Drivers in Missouri?

How you are covered by full coverage depends on the individual auto insurance policies you enroll in.

For example, if you have liability, collision, and comprehensive, you’ll receive their protections under a single Missouri auto insurance policy rather than just one or two protections for your vehicle.

By enrolling in full coverage car insurance, you’ll enjoy better protection and are eligible for discounts while also streamlining your protection.

However, drivers need to remember that full coverage isn’t a blanket coverage and it’s always important to assess individual risks while protecting accordingly.

Adding other relevant coverages to your policy is possible, such as PIP or UI/UM, so that you’re better protected against relevant perils, avoid surprises, and enjoy peace of mind.

Personalizing Your Coverage

When shopping for full coverage, remember that additional coverages are available to enhance your protection.

Auto insurance should be tailored to fit individual needs, as every driver’s situation is unique.

In Missouri, drivers with full coverage can benefit from extras like gap coverage, which pays off your loan if your vehicle is totaled, and roadside assistance, offering help with towing or minor repairs while on the road.

By customizing your policy, you can enjoy even broader protection. Different carriers offer different types of protection, so be sure to compare your options and find the auto policy best suited to your risks.

Missouri Car Insurance Liability vs Full Coverage

Both coverages are helpful for drivers but protect in different ways. Remember, full coverage is going to encompass multiple protections, including liability, whereas liability-only is coverage that helps drivers cover losses to other parties.

Furthermore, full coverage auto insurance isn’t mandatory, unless, you’re leasing your vehicle or purchasing your vehicle using a loan.

In most cases, lenders will require you to have full coverage or they won’t loan you the money for your vehicle. The same is true for leasing offices.

Full coverage auto insurance can benefit many drivers but it’s always important to conduct due diligence before enrolling. Here are the pros and cons you should consider: