Car Insurance MO: Things You Need to Know

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Getting car insurance in Missouri can be a daunting task, especially if you are a first-time car owner. However, it needn’t be if you understand the basics of car insurance in MO. This article will provide you with all the information you need to get started.

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What is Car Insurance MO?

Car insurance MO is a type of insurance that helps drivers cover the costs in case an unforeseen event such as an accident or theft occurs. In Missouri, it’s mandatory for all car owners to have liability coverage, which covers the damages caused by the driver to others in case of an accident.

However, you can also choose to have comprehensive and collision coverage, which can help in covering the damages to your car and medical expenses.

What are the Different Types of Car Insurance MO?

There are three main types of car insurance MO:

  • Liability insurance
  • Comprehensive insurance
  • Collision insurance

Liability Insurance

Liability insurance is mandatory in Missouri, and it covers the damages to other people and their property if you cause an accident. If you are at fault in an accident, your liability insurance will cover expenses like medical bills, car repairs, and any other damages incurred by the other party.

In Missouri, the minimum liability coverage requirements are:

Coverage Type
Minimum Coverage
Bodily Injury Liability
$25,000 per person and $50,000 per accident
Property Damage Liability
$10,000 per accident

Comprehensive Insurance

Comprehensive insurance covers damages to your car that occur due to reasons other than a collision. This includes events such as theft, vandalism, natural disaster, and fire. If you have a loan on your car, your lender may require you to have comprehensive coverage.

The coverage amount for comprehensive insurance varies depending on the value of your car and your deductible. Most comprehensive coverage policies have a deductible of $250 to $1,000.

Collision Insurance

Collision insurance covers damages to your car in case of a collision, regardless of whether you are at fault or not. If you are at fault, your collision insurance will pay for the damages to your car, regardless of the cost of repair.

The coverage amount for collision insurance varies depending on the value of your car and your deductible. Most collision coverage policies have a deductible of $250 to $1,000.

How Much Does Car Insurance MO Cost?

The cost of car insurance in Missouri varies depending on a variety of factors, including:

  • Age
  • Gender
  • Driving history
  • Location
  • Type of car
  • Credit score

Typically, the average cost of car insurance in Missouri is around $900 per year. However, this can vary significantly based on the factors mentioned above.

How Can You Save Money on Car Insurance MO?

There are several ways to save money on car insurance in Missouri:

  • Shop around for the best rates
  • Increase your deductible
  • Bundle your car insurance with other policies
  • Take defensive driving courses
  • Maintain a good driving record
  • Drive a car with safety features
  • Ask for discounts

Frequently Asked Questions (FAQ)

What Happens if I Get Pulled Over Without Car Insurance MO?

If you get pulled over without car insurance in Missouri, you could face the following penalties:

  • A fine of up to $300
  • Suspension of your license and registration
  • Impoundment of your car

Additionally, you will be required to get car insurance and provide proof of insurance to the Department of Revenue.

Can I Get Car Insurance MO with a Suspended License?

Yes, you can get car insurance in Missouri even if your license is suspended. However, you will have to pay higher premiums as you are considered a high-risk driver.

What Happens if I Get in an Accident Without Car Insurance MO?

If you get in an accident without car insurance in Missouri, you will be responsible for paying for all the damages, which can be costly. Additionally, you could also face legal penalties and have your driver’s license suspended.

Are There Any Discounts Available for Car Insurance MO?

Yes, there are several discounts available for car insurance in Missouri, including:

  • Safe driver discounts
  • Multi-car discounts
  • Good student discounts
  • Military discounts
  • Anti-theft device discounts

How Can I Compare Car Insurance Quotes in MO?

You can compare car insurance quotes in Missouri from different providers online, or you can work with an insurance agent to help you find the best rates.

Do I Need to Get Car Insurance MO if I Only Drive Occasionally?

Yes, in Missouri, you are required to have car insurance even if you only drive occasionally.

Conclusion

Getting car insurance in Missouri is mandatory, but it doesn’t have to be complicated. By understanding the different types of insurance available, the coverage amounts, and how to save money, you can find the best policy for your needs and budget.

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