Enter your ZIP code:

Missouri Auto Insurance

Driving an uninsured vehicle puts you and other motorists at risk. By using InsureMe's free referral service, we can put you in touch with up to five Missouri auto insurance agents who will compete for your business to give you the lowest possible rate.

In 1993, InsureMe was founded on the idea that every consumer should have a fast and easy way to shop for their insurance. Since then we have helped millions of consumers find the right insurance policy by partnering with insurance agents across the nation. Why wouldn't you want to save money on your insurance? Submit your information and get your free quotes today!


Your Missouri Auto Policy: Questions Answered

What is auto insurance?

Auto insurance protects you from financial loss in the event of an accident. Your Missouri auto insurance policy is a contract between you and your insurance company which says that you agree to pay the premium and the insurance company agrees to pay for any losses or damages — as outlined in your policy.

Is it illegal to drive without Missouri auto insurance?

Yes. Missouri's Motor Vehicle Financial Responsibility Law requires Missourians to pay for another person's injuries and damages in the event of a collision. If you are unable to pay for these damages, your punishment can range from losing your driver's license to a criminal conviction and time in jail.

Thus, Missouri requires all drivers to carry liability insurance with coverage extending to the following areas:

  • Bodily Injury — protects you financially if you are involved in an accident and the other motorist chooses to sue. This coverage will pay your court costs and damages up to the amount as outlined in your policy.
  • Property Damage — protects your legal responsibility to the property of others in the event that it is damaged in a collision. This coverage covers damages to another vehicle as well as any private property such as buildings, road signs and bridges, as outlined in your policy.
  • Uninsured Motorist — covers your injuries and those of your passengers if you are hit by an uninsured motorist. It is important to note that this coverage does not include damage to your car.

Who is covered under my Missouri auto insurance policy?

The Missouri State Department of Insurance states that the person named in the policy, that person's spouse, family members living in the household and any other person given permission to use the car are covered under the policy, but it is always best to check with your agent as some policies differ.

How much auto coverage do I need?

Before purchasing your Missouri auto insurance, ask yourself:

  • How much of my property can I afford to lose if it is damaged or stolen?
  • If my property is damaged or stolen, how much will it cost to replace?
  • If I am sued by someone who was injured because of my negligence, how would I pay my legal costs? How would I pay the damage awards to the victim?

Remember that motorists injured because of your negligence can sue for more than your policy covers. You will want to consider this when purchasing your Missouri auto insurance. You will want to compare quotes and consider higher limits of coverage.

How will my Missouri auto insurance rates be determined?

Your agent will figure your insurance rate based on the following information:

  • The amount of coverage you purchase
  • The amount of the deductible you chose
  • The age and type of your car
  • Your age and gender
  • Your credit history
  • The number of miles you drive annually
  • Your driving and claims record

The latter is the largest factor in determining your rates, so take the extra effort to drive safely.

What if I still have questions?

Contact the Missouri State Department of Insurance at (573) 751-4126 or visit their site on the web. A.M. Best and the Insurance Information Institute also provide reliable information to consumers.

There's no time like the present.

Don't wait for that unexpected fender bender. Use InsureMe's free referral service and start saving on your Missouri auto insurance today!


Free Auto Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10853
101 Wyoming Auto Insurance youcomparequotes 10747
100 Wisconsin Car Insurance youcomparequotes 10370
99 Wisconsin Auto Insurance youcomparequotes 10455
98 West Virginia Car Insurance youcomparequotes 11372
97 West Virgina Auto Insurance youcomparequotes 10320
96 Washington, D.C. Car Insurance youcomparequotes 11973
95 Washington, D.C. Auto Insurance youcomparequotes 11006
94 Washington Car Insurance Quotes youcomparequotes 11485
93 Washington Auto Insurance Quotes youcomparequotes 11151
92 Virginia Car Insurance youcomparequotes 10814
91 Virginia Auto Insurance Quotes youcomparequotes 10830
90 Vermont Car Insurance youcomparequotes 13061
89 Vermont Auto Insurance youcomparequotes 10098
88 Utah Car Insurance youcomparequotes 10761
87 Utah Auto Insurance youcomparequotes 10572
86 Texas Car Insurance Quotes youcomparequotes 10796
85 Texas Auto Insurance Quotes youcomparequotes 10793
84 Tennessee Car Insurance youcomparequotes 10396
83 Tennessee Auto Insurance youcomparequotes 10996
82 South Dakota Car Insurance youcomparequotes 10660
81 South Dakota Auto Insurance youcomparequotes 9935
80 South Carolina Car Insurance youcomparequotes 10854
79 South Carolina Auto Insurance youcomparequotes 10731
78 Rhode Island Car Insurance youcomparequotes 10208
77 Rhode Island Auto Insurance youcomparequotes 10581
76 Pennsylvania Car Insurance Quotes youcomparequotes 10910
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11397
74 Oregon Car Insurance Quotes youcomparequotes 11066
73 Oregon Auto Insurance Quotes youcomparequotes 10721
72 Oklahoma Car Insurance youcomparequotes 10767
71 Oklahoma Auto Insurance youcomparequotes 10736
70 Ohio Car Insurance Quotes youcomparequotes 10467
69 Ohio Auto Insurance Quotes youcomparequotes 10396
68 North Dakota Car Insurance youcomparequotes 10477
67 North Dakota Auto Insurance youcomparequotes 10873
66 North Carolina Car Insurance youcomparequotes 14169
65 North Carolina Auto Insurance youcomparequotes 11158
64 New York Car Insurance Quotes youcomparequotes 10394
63 New York Auto Insurance Quotes youcomparequotes 11349
62 New Mexico Car Insurance youcomparequotes 9851
61 New Mexico Auto Insurance youcomparequotes 9970
60 New Jersey Car Insurance youcomparequotes 10199
59 New Jersey Auto Insurance youcomparequotes 10338
58 New Hampshire Car Insurance youcomparequotes 11241
57 New Hampshire Auto Insurance youcomparequotes 10862
56 Nevada Car Insurance youcomparequotes 10572
55 Nevada Auto Insurance youcomparequotes 10605
54 Nebraska Car Insurance youcomparequotes 10249
53 Nebraska Auto Insurance youcomparequotes 11221
52 Montana Car Insurance youcomparequotes 10276
51 Montana Auto Insurance youcomparequotes 10434
50 Missouri Car Insurance youcomparequotes 10592
» Missouri Auto Insurance youcomparequotes 10490
48 Mississippi Car Insurance youcomparequotes 10900
47 Mississippi Auto Insurance youcomparequotes 10801
46 Minnesota Car Insurance Quotes youcomparequotes 11037
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11137
44 Michigan Car Insurance youcomparequotes 10226
43 Michigan Auto Insurance youcomparequotes 9956
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17257
41 Massachusetts Auto Insurance Reform youcomparequotes 11043
40 Maryland Car Insurance youcomparequotes 11241
39 Maryland Auto Insurance youcomparequotes 11259
38 Maine Auto Insurance youcomparequotes 10917
37 Louisiana Car Insurance youcomparequotes 11202
36 Louisiana Auto Insurance youcomparequotes 10565
35 Kentucky Car Insurance youcomparequotes 10665
34 Kentucky Auto Insurance youcomparequotes 10377
33 Kansas Car Insurance youcomparequotes 10207
32 Kansas Auto Insurance youcomparequotes 10636
31 Iowa Car Insurance youcomparequotes 10499
30 Iowa Auto Insurance youcomparequotes 10512
29 Indiana Car Insurance youcomparequotes 10468
28 Indiana Auto Insurance youcomparequotes 10433
27 Illinois Car Insurance youcomparequotes 10450
26 Illinois Auto Insurance youcomparequotes 10097
25 Idaho Car Insurance youcomparequotes 10319
24 Idaho Auto Insurance youcomparequotes 10405
23 Hawaii Car Insurance youcomparequotes 10752
22 Hawaii Auto Insurance youcomparequotes 10839
21 Georgia Car Insurance youcomparequotes 10058
20 Georgia Auto Insurance Quotes youcomparequotes 10953
19 Florida Car Insurance Quotes youcomparequotes 12442
18 Florida Auto Insurance Quotes youcomparequotes 10393
17 Find Maine Car Insurance youcomparequotes 10361
16 Delaware Car Insurance youcomparequotes 10652
15 Delaware Auto Insurance youcomparequotes 10529
14 Connecticut Car Insurance youcomparequotes 10446
13 Connecticut Auto Insurance youcomparequotes 10269
12 Colorado Car Insurance Quotes youcomparequotes 10458
11 Colorado Auto Insurance youcomparequotes 10010
10 California Car Insurance Quotes youcomparequotes 10953
9 California Auto Insurance Quotes youcomparequotes 11092
8 Arkansas Car Insurance youcomparequotes 10968
7 Arkansas Auto Insurance youcomparequotes 10630
6 Arizona Car Insurance Quotes youcomparequotes 10585
5 Arizona Auto Insurance youcomparequotes 11018
4 Alaska Car Insurance youcomparequotes 10762
3 Alaska Auto Insurance youcomparequotes 11555
2 Alabama Car Insurance youcomparequotes 10239
1 Alabama Auto Insurance youcomparequotes 10757
XE Login