Missouri Auto Insurance

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Missouri Auto Insurance

People don't realize this but Missouri has been blessed with an abundance of riches. Think about it: where else can you find picturesque mountains just a few hours' drive away from two major cities? Or a family entertainment mecca that's close to lush, stately forests? Or everything from charming small towns to affordable medium-sized cities to mighty rivers? Missouri has a little bit of everything; but in order to see it all, you'll probably need a vehicle. And given the large number of tourists on the roads in a climate where the weather can change quickly, you'll want to make sure that your vehicle is protected from all the dangers that can damage it.

Auto insurance rates in Missouri can vary more than you might think from one insurance company to another.  That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.

Required Auto Insurance in Missouri

Auto accidents can result in exorbitant costs for everyone who is involved. That's why Missouri lawmakers mandated that all drivers in the state must carry auto insurance in order to be eligible to operate a motor vehicle. State law requires the purchase of liability insurance, which is designed to keep individuals who are involved in an accident that you cause from being forced to pay medical bills and auto repair costs. In addition to liability coverage, drivers must also buy uninsured motorist insurance, which covers them in the event they are victimized by another driver who does not have auto insurance of his or her own.

State Minimum Liability Coverage in Missouri:

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $10,000 per accident

State Minimum Uninsured Motorist Insurance in Missouri:

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident

To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Missouri to Consider

There are other types of auto insurance coverages that might be of interest to Missouri drivers. The state doesn't make these coverages obligatory, but they still may be helpful to some people, especially those who drive a significant number of miles each year. Keep in mind that liability insurance and uninsured motorist insurance won't cover every possible peril that can befall a vehicle in Missouri.

Below are some examples you may want to consider:

  • Collision Coverage: Were you aware that the average auto repair bill in the U.S. today is around $3,000? If you are held liable for an accident or strike a tree, light pole, or other object, you're responsible for coming up with the funds to fix your own car. Collision coverage will pay for auto repairs (less a deductible) to your vehicle so you can put it back in service as quickly as possible.
  • Comprehensive Coverage: Missouri is home to a wide range of weather patterns, from heavy winds and flash flooding to snowstorms and tornadoes. Any one of these calamities can damage your car, and collision insurance won't pay for repairs unless an auto accident took place. Comprehensive coverage not only pays for claims brought about by damage from Mother Nature, but also due to fire or vandalism. It will even pay you the value of your vehicle if it is stolen.
  • Higher Property Damage Limits: Missouri’s property damage minimum of $10,000 in its liability policies is lower than the figure in many other states. So you may want to think about purchasing a policy that has a higher limit for property damage, such as $25,000, $50,000, or more. After all, if you cause a serious accident and have to pay to repair someone else's car, that $10,000 limit can be reached in a hurry - and then you're on the hook for any remainder.
  • Higher Bodily Injury Limits: Likewise, a serious injury can easily run up medical bills of $50,000, which is the minimum limit for liability insurance in Missouri. So if another person gets hurt due to your actions or negligence, and your policy only covers the first $50,000, you could be sued in court for the rest of the medical bill balance. Raising your bodily injury limits can often keep this situation from happening.

Don't think about these optional policies as a further drain on your budget. Think of them as additional protection against the possibility of extreme financial problems that could crop up if you aren't properly protected. To further explore which optional coverages might be suitable for your needs, contact an AIS agent today.

Missouri Auto Insurance Discounts

Even though the cost of living in Missouri isn't very high, it's still worth your time to try and save some money on your auto insurance. Here's the good news: you may qualify for one or more discounts on your auto policies that could collectively save you hundreds of dollars in premiums each year!

Examples of discounts include:

  • Safe driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Anti-theft
  • Multi-policy
  • And more… 

To learn more about specific discounts, visit our Discounts page.

In Missouri, you wouldn't leave your front door unlocked and leave your home unprotected when you go away on a week-long vacation. You wouldn't refrain from fastening your seat belt and therefore leave your body unprotected in the event of a collision. So why would you drive a car without being adequately protected from possible financial insolvency simply because you don't want to buy the proper level of auto insurance coverage? Auto Insurance Specialists has amassed over four decades of expertise in assembling coverage that protect drivers just like you. And they can often save you a substantial amount of money in the process. It's definitely worth a few minutes of your time to contact AIS and see if they can assist you with your Missouri auto insurance needs.

Start a Missouri Insurance Quote Today: (888) 772-4247

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