Missouri Minimum Insurance Requirements

Missouri Auto Insurance Laws and Requirements

Introduction

Missouri, like every state, has a motor vehicle financial responsibility law. This law ensures that if you own or drive a car in Missouri, you’ll need proof that you can pay for at least some of the injuries and property damage you might cause in a wreck. Most people comply with this law by purchasing an auto insurance policy. Let’s explore Missouri’s auto insurance requirements:

Minimum Liability Coverage: 25/50/25

Missouri law requires that all drivers carry certain levels of car insurance coverage to be legal. Proof of this coverage must be carried when behind the wheel and shown upon request by any law enforcement official. The minimum liability coverage in Missouri is as follows:

$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$25,000 per accident for property damage

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is also legally required in Missouri. It pays for injury and lost wages that you or your passengers may suffer in the event that you are in an accident with an uninsured driver who is at fault. The coverage limits are determined by each individual state and are normally split into two categories:

Bodily injury per person: The maximum dollar amount that will be paid for a single person that you injure in an auto accident.
Bodily injury per accident: The maximum dollar amount that will be paid for all injuries that you cause in an accident in which more than one person is hurt.

In Missouri, the minimum coverage required is listed as 25/50/25.

Additional Resources

For more detailed information, explore these official sources:

Remember to consult a licensed insurance agent to tailor your coverage to your specific needs. Safe travels on Missouri’s roads! 🛣️🌟

If you are a driver in Missouri, you need to know the state's minimum auto insurance requirements and how to get the best coverage for your needs. In this blog post, we will explain the laws and types of policies available in Missouri, as well as some local rates and tips to save money on your car insurance.

Missouri Minimum Auto Insurance Requirements

Missouri is a fault-based state, which means that the driver who causes an accident is responsible for paying for the damages and injuries of the other parties involved. To ensure that drivers can pay for their liability, Missouri requires them to have a minimum amount of car insurance coverage. The minimum coverage requirements in Missouri are:

- $25,000 for bodily injury liability or death of one person in an accident

- $50,000 for bodily injury liability or death of two or more people in an accident

- $25,000 for property damage liability per accident

- $25,000 for uninsured motorist bodily injury per person

- $50,000 for uninsured motorist bodily injury per accident

These limits are the basic minimums set by the state to drive legally in Missouri. If your insurance does not meet these standards, you could face penalties that may include jail time, fines and suspension of your license and registration.

However, these minimums may not be enough to cover all the costs of a serious accident. If you are sued by another driver or their passengers for damages that exceed your policy limits, you will have to pay the difference out of your own pocket. That's why it's advisable to purchase higher limits of liability coverage or additional types of coverage to protect yourself financially.

Types of Car Insurance Policies Available in Missouri

Besides the mandatory liability and uninsured motorist coverage, there are other types of car insurance policies that you can choose from in Missouri. Some of the most common ones are:

- Collision coverage: This pays for the repair or replacement of your own vehicle if it is damaged in an accident with another vehicle or object.

- Comprehensive coverage: This pays for the repair or replacement of your own vehicle if it is damaged by something other than a collision, such as fire, theft, vandalism or natural disasters.

- Medical payments coverage: This pays for the medical expenses of you and your passengers if you are injured in an accident, regardless of who is at fault.

- Personal injury protection (PIP) coverage: This pays for the medical expenses, lost wages and other costs of you and your passengers if you are injured in an accident, regardless of who is at fault. PIP coverage is optional in Missouri.

- Gap coverage: This pays for the difference between what you owe on your car loan or lease and what your car is worth if it is totaled in an accident.

- Rental reimbursement coverage: This pays for the cost of renting a car if your own car is being repaired after an accident.

- Towing and labor coverage: This pays for the cost of towing your car to a repair shop or providing roadside assistance if your car breaks down.

You can customize your car insurance policy by choosing the types and amounts of coverage that suit your needs and budget. However, keep in mind that adding more coverage will increase your premium.

Local Rates and Discounts for Car Insurance in Missouri

The average cost of car insurance in Missouri is $1,288 per year or $107 per month, according to The Zebra. However, your actual rate may vary depending on several factors, such as:

- Your age

- Your gender

- Your marital status

- Your driving record

- Your credit score

- Your vehicle make, model and year

- Your location

- Your mileage

- Your deductible

- Your coverage options

To get the best deal on your car insurance, you should shop around and compare quotes from different insurers. You should also look for discounts that you may qualify for, such as:

- Good driver discount: If you have a clean driving record with no accidents or violations, you can get a lower rate.

- Good student discount: If you are a student with good grades, you can get a lower rate.

- Multi-car discount: If you insure more than one vehicle with the same insurer, you can get a lower rate.

- Multi-policy discount: If you bundle your car insurance with other types of insurance, such as home or renters insurance, you can get a lower rate.

- Safety device discount: If your car has features such as airbags, anti-lock brakes or anti-theft devices, you can get a lower rate.

- Defensive driving discount: If you complete a defensive driving course approved by the state, you can get

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