Missouri Car Insurance

Your Guide for Buying Missouri Car Insurance in 2017

If you drive your car in the Show Me State, you might be in the market for Missouri car insurance. Or you might already have a policy in place, but you question whether you’re getting the best deal possible. Perhaps you’re wondering how to find the best Missouri auto insurance quotes, how to start the search, who to call.

A local, independent Trusted Choice® member agent will be happy to help you compare Missouri auto insurance quotes and plans, analyze your coverage needs, and find you a policy that balances security and cost. Give a member agent a call today to get started.

Missouri Car Insurance Costs

  • National average cost per year: $1,474
  • Missouri average cost per year: $1,207
  • 39th most expensive premiums in the US

The most recent information available as of 2017 shows that Missouri average premium costs are $1,207, which is lower than the national average. This is probably because the state has a low population density. Fewer cars on the road lead to fewer accidents and lower car insurance premiums.

Missouri Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/10
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Missouri state law requires a broad range of minimum liability coverage. Penalties for breaking the rules include suspension of a driver’s license or adding four points to a driver’s record.

Make sure your agent knows what is required in your state when a policy is drawn up. A local, independent agent in the Trusted Choice network lives and works in your area, so you’ll be working with someone who knows exactly what Missouri law mandates.

Missouri Uninsured Motorists Data

  • National uninsured motorists: 12.6%
  • Missouri uninsured motorists: 13.5%
  • Missouri average vehicle repair cost: $2,504

The percentage of Missouri drivers who do not have the mandated uninsured motorist coverage is very close to the national average. If an uninsured driver causes an accident, they are still responsible for damages and injuries. However, to collect money from these delinquent drivers might take a lot of time, or perhaps legal action.

An uninsured motorist policy will help you recover when an uninsured motorist hits you and doesn’t have the funds to cover costs. It’s required by Missouri state law, so you’ll be well-protected if this worst-case scenario happens to you.

Thefts in Missouri

  • National car theft average (per 1,000 registered vehicles): 2.94
  • Missouri car theft average (per 1,000 registered vehicles): 2.96

Missouri vehicle theft rates are close to the national average. Besides such common sense measures such as parking in well-lit areas, always locking your car, and never leaving a key in the vehicle, you can protect your investment with an electronic anti-theft system and the right auto policy.

Find and Compare Missouri Auto Insurance Quotes

If you need to buy a new policy or make sure your old policy is still competitive and appropriate, contact a local independent agent in the Trusted Choice network. Your agent will help you compare multiple insurers and policies to make sure you are buying the best coverage at the lowest price.

Shopping for the best auto insurance policy on your own can be a daunting task. With all of their resources in the insurance world, an independent agent will be happy to do most of the work for you. Your agent will also be on hand in the future to make changes and help you get quick and fair claims settlements.

Now, who's ready to get their insurance problems solved?