Cheap Missouri Car Insurance: What You Need to Know

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Are you searching for cheap car insurance in Missouri? Look no further. Below we discuss everything you need to know about cheap car insurance in Missouri, including the types of coverage available, the minimum coverage required by law, and tips for finding the best rates.

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Missouri Car Insurance Requirements

Like most states in the US, Missouri requires all drivers to carry auto insurance. The minimum requirements are:

Minimum Coverage Type
Minimum Coverage Amount
Bodily Injury Liability
$25,000 per person, $50,000 per accident
Property Damage Liability
$10,000 per accident
Uninsured Motorist Bodily Injury (UMBI)
$25,000 per person, $50,000 per accident
Underinsured Motorist Bodily Injury (UIMBI)
$25,000 per person, $50,000 per accident

If you’re caught driving without insurance in Missouri, you could face a fine, suspension of your driver’s license, or even jail time. So it’s important to make sure you’re adequately covered.

Types of Coverage Available in Missouri

In addition to the minimum coverage required by law, there are several other types of coverage you can purchase in Missouri:

Collision Coverage

Collision coverage pays for damages to your own vehicle in the event of an accident, regardless of who is at fault. If you have a car loan or lease, your lender may require that you carry collision coverage.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle that are not caused by a collision, such as theft, vandalism, or weather-related damage.

Medical Payments Coverage

Medical payments coverage pays for medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.

Rental Car Coverage

Rental car coverage pays for the cost of a rental car if your vehicle is being repaired or replaced after an accident.

Tips for Finding Cheap Car Insurance in Missouri

Looking for ways to save money on your car insurance? Here are a few tips:

Shop Around

Don’t just go with the first insurance company you come across. Shop around and get quotes from multiple providers to find the best deal.

Bundle Your Policies

If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your car insurance. Many companies offer discounts for customers with multiple policies.

Consider Increasing Your Deductible

The higher your deductible, the lower your monthly premium will be. Just make sure you have enough money set aside to cover your deductible in the event of an accident.

Ask About Discounts

Many insurance companies offer discounts for things like safe driving, anti-theft devices, and good grades for students.

Frequently Asked Questions

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

You could face fines, suspension of your driver’s license, and even jail time if you’re caught driving without insurance in Missouri.

Do I need to purchase collision and comprehensive coverage?

No, collision and comprehensive coverage are optional in Missouri. However, if you have a car loan or lease, your lender may require that you carry these types of coverage.

How can I find the best rates for car insurance in Missouri?

Shop around and get quotes from multiple providers. Consider bundling your policies and increasing your deductible to save money.

What discounts are available for car insurance in Missouri?

Many insurance companies offer discounts for safe driving, anti-theft devices, and good grades for students.

How much car insurance coverage do I need in Missouri?

The minimum required coverage in Missouri is bodily injury liability, property damage liability, and uninsured/underinsured motorist bodily injury.

Now that you know everything you need to know about cheap car insurance in Missouri, you can make an informed decision about the coverage that’s right for you. Remember to shop around and compare rates from multiple providers to find the best deal.

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