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Best Affordable Auto Insurance in Missouri
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In order to get cheap auto insurance in Missouri, you must be aware that insurance companies sell several types of basic automobile insurance coverage in accordance with state law. For your own education, be aware that liability insurance is the most basic type of automobile insurance available. Missouri law requires an automobile liability policy to include; bodily injury liability coverage, which protects you financially if you are sued by a victim or someone injured in an accident in which you are at fault. Among other expenses it will cover the cost of legal and court fees as well as the damages awarded up to the limits of your policy. While you can purchase additional insurance, basic bodily injury is for the benefit others, will not cover your own injuries. The other required coverage is property damage liability insurance, which protects your legal responsibility for damages to the property of others caused by a collision with your car. Typically the "property of others" is another car, but property damage liability also covers damage to public and private property such as road signs, bridges, and buildings, up to the limits of your policy. This is often confused with physical damage or collision insurance, which applies to damage or loss to your car, regardless of fault, but is not the same. The final requirement for a basic policy is Missouri is uninsured motorist insurance, which covers both your and your passengers' bodily injuries if you are hit by an uninsured motorist or hit-and-run driver who is at fault for the accident. It does not however cover damages to your car or other property. While you are required to purchase a policy with all of the aforementioned coverages, you have the option to buy them in a "single limit" liability insurance format which covers bodily injury and property damage liabilities at one single dollar limit; the minimum being $50,000. A single limit of $50,000 means the company will pay up to $50,000 for bodily injury and property damage liability claims arising from any one accident without regard to how much of that limit is for bodily injury and/or property damage. Most policies will be written with $25,000 for bodily injury to one person, $50,000 for bodily injury to one or more people, and $10,000 for property damage. Finding the best and most affordable auto insurance in Missouri can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Missouri. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Show-Me State.

Understanding Missouri's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Missouri one must understand what coverage they need. Missouri does not require Personal Injury Protection (PIP) and is not a no-fault state. However state law requires your policy to have coverage from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Missouri the minimums are 25/50/10. The numbers are in thousands of dollars.

Missouri Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/10
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $370
  • Average Collision Cost: $252
  • Average Comprehensive Cost: $144
  • Average Cost per Year in Missouri: $658
  • US Average Cost: $795
  • Expense Rank: 37/51

Best Missouri Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
N/A 65%
41%
N/R
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
N/A 48%
N/R
39%
63%
N/A 42%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A N/R
N/R
N/A 75%
33%
N/R
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%