Missouri Car Insurance – Auto Insurance Quotes in MO
Missouri is a state with a diverse population of urban cities and rural farmlands. As a result, drivers here need of a wide variety of Missouri car insurance policies. For example, some Missouri drivers in urban areas are more concerned with theft than their rural counterparts might be.
All Missouri drivers must maintain a car insurance policy that meets the state’s minimum liability requirements, but drivers frequently customize their policies based on their own needs and the region of Missouri in which they live. MyCarInsuranceRates.com can help Missouri drivers get affordable car insurance rates on just the right coverage for them.
Missouri Car Insurance Requirements
Missouri uses a Tort system that holds the at-fault driver and their car insurance company responsible for all damages, and the state has established minimum requirements to satisfy these obligations. Drivers in Missouri may carry higher levels of liability insurance if they need it, and can add many other options to their policies as well. We have provided information below to help motorists understand the basic coverage requirements they must maintain with their auto insurance policy.
Understanding Missouri Car Insurance Liabilities & Coverage
Missouri insurance law requires car insurance policies with a minimum bodily injury liability limit of $25,000 per injured person and $50,000 per accident, including medical expenses, and property damage liability with a minimum coverage limit of $10,000 to protect against public and private property repairs and claims. Unlike many other states, Missouri drivers must also have minimum uninsured/underinsured motorist liability coverage of $25,000 per person and $50,000 total per accident. This basic level of coverage is referred to as 25/50/10 coverage with 25/50 UM limits.
Missouri Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $10,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Missouri Car Insurance Laws & Regulations
All vehicle owners and drivers in Missouri must have liability car insurance and must show proof of insurance when they register their car or renew their license plates. Driving without insurance in Missouri can result in suspension of the driver’s license and vehicle registration for up to one year, reinstatement fees of up to $400, and an assessment of 4 points on their driving record. Driving with a suspended license can subject the driver to fines up to $500 and imprisonment up to 6 months.
Average Missouri Car Insurance Rates
Missouri residents pay an average $1,395 for their car insurance policy while the national average is $1,538. The average auto insurance premium in Missouri was 13% lower in 2010 than 2009, meanwhile, 2009 saw a 21% increase in premiums compared to 2008 averages. Due to this fact, it is essential that Missouri drivers shop around for the best rates, especially if they have had their current policies for some time.
When car insurance rates fluctuate, it is possible to end up overpaying hundreds of dollars more each year than is necessary, especially after 2010 saw cheaper auto insurance rates. MyCarInsuranceRates.com brings competition directly to the driver and works to lower car insurance costs for all Missouri motorists.
Missouri Car Insurance Quotes
Right now is the perfect time to shop for cheaper car insurance rates in Missouri. The dramatic changes in rates over the past two years have changed the whole market for car insurance. Missouri drivers would be wise to make sure the rates they are paying are in line with the current rates available to them.
With that said, MyCarInsuranceRates.com can provide motorists with the best car insurance quotes they can get by allowing car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP, to compete for their business. Simply enter your zip code above and you will be able compare affordable auto insurance quotes and policies.
Start your free car insurance quotes to find cheap Missouri car insurance.
