Car Insurance in Missouri

If you own a car in Missouri, you are required by law to have auto insurance. Car insurance can help protect you financially in case of an accident, theft, or other unforeseen events. In this article, we will discuss everything you need to know about car insurance in Missouri, including coverage options, discounts, and the minimum coverage requirements.

Minimum Coverage Requirements in Missouri

Missouri law requires all drivers to carry liability insurance, which covers damages you may cause to other people, vehicles, and property in an accident. The minimum liability coverage requirements in Missouri are:

It’s important to note that these are only the minimum requirements, and it’s recommended to carry higher limits of liability coverage to protect your assets in case of a lawsuit.

Coverage Options in Missouri

In addition to liability insurance, there are several other types of coverage you may want to consider when purchasing car insurance in Missouri:

Collision Coverage

Collision coverage pays for damages to your own vehicle in case of an accident, regardless of who is at fault. It typically has a deductible, which is the amount you must pay out of pocket before insurance kicks in.

Comprehensive Coverage

Comprehensive coverage pays for damages to your car caused by events other than a collision, such as theft, vandalism, or natural disasters. It also typically has a deductible.

Uninsured / Underinsured Motorist Coverage

If you are in an accident with a driver who does not have enough insurance to cover your damages, uninsured / underinsured motorist coverage can help fill the gaps. It can also cover you if you are in a hit and run accident.

Discounts on Car Insurance in Missouri

There are several discounts you may be eligible for when purchasing car insurance in Missouri. Here are some common ones:

Safe Driver Discount

If you have a clean driving record with no accidents or tickets, you may qualify for a safe driver discount.

Bundling Discount

If you have multiple insurance policies with the same company, such as home and auto insurance, you may be eligible for a bundling discount.

Good Student Discount

If you are a student with good grades, you may qualify for a good student discount.

FAQ

What happens if I don’t have car insurance in Missouri?

Driving without insurance in Missouri is illegal and can result in fines, license suspension, and even jail time. In addition, if you are in an accident without insurance, you may be responsible for paying for damages out of pocket.

Do I have to carry uninsured / underinsured motorist coverage in Missouri?

No, uninsured / underinsured motorist coverage is not required by law in Missouri. However, it is highly recommended to protect yourself in case of an accident with an uninsured or underinsured driver.

What factors affect my car insurance rates in Missouri?

Several factors can affect your car insurance rates in Missouri, including your age, gender, driving record, type of car, and coverage options. It’s a good idea to shop around and compare rates from different insurance companies to find the best deal.

Can I get car insurance if I have a DUI on my record in Missouri?

Yes, you can still get car insurance if you have a DUI on your record in Missouri. However, your rates may be higher and you may have limited coverage options. It’s important to disclose any past DUIs to your insurance provider to ensure you are properly covered.

How can I save money on car insurance in Missouri?

There are several ways to save money on car insurance in Missouri, such as maintaining a clean driving record, bundling policies, and taking advantage of discounts. It’s also a good idea to compare rates from different insurance companies to find the best deal.