Missouri Auto Insurance

Auto insurance in Missouri

All vehicle owners are legally required to purchase a valid insurance policy, which will help them stay protected in case of accidents. Whether the respective car is used for personal or professional purposes, adequate insurance is a must. Should the driver operate the vehicle without adequate insurance, he/she might have to pay fines for up to $1,000. The driving documents, meaning the driver's license or vehicle registration, might be suspended as well, for up to six months. If you are interested in discovering more details on the topic of auto insurance in Missouri, just keep on reading.

What type of car insurance do you legally need in Missouri?

According to the Mandatory Liability Insurance Act, all Missouri residents who intend to operate a moving vehicle must purchase a valid insurance policy. Should the mandatory insurance be absent, the associated driving documents might be suspended for several months or more. All states have an online insurance verification system, which can be used to determine whether a vehicle has insurance or not.

For residents to operate a vehicle in the state of Missouri, the associated auto insurance must comply with certain guidelines. These might include the following: bodily injury liability ($50,000 per accident and $25,000 per person), property damage liability ($25,000 per accident), and uninsured motorist bodily injury ($50,000 per accident and $25,000 per person). As opposed to the minimum liability coverage, the full coverage insurance has additional benefits to offer. Drivers can include optional coverages, such as comprehensive and collision insurance. Specialists advise vehicle owners on choosing a higher liability coverage limit than the one imposed by the law in Missouri. In this way, you will be protected, should the worst-case scenario occur.

The above-mentioned sums refer to the amount an insurance provider will pay, should the driver be involved in an accident for which he/she is at fault. The law requires that all drivers carry a copy of their insurance policy while driving. In Missouri, it is illegal to drive without valid insurance, with consequences including fines and the suspension of one's driving documents (driver's license, vehicle registration). Should the driver continue to operate the vehicle without a valid insurance policy, jail time might be enforced as legal consequence.

Average cost of auto insurance in Missouri

How much does car insurance cost in MO? The state minimum auto insurance policy in Missouri has a value of $566. However, a full coverage insurance policy has an average value of $1,698 per year. Collision and comprehensive insurance are not included in the general policy, which means you will have to calculate your budget accordingly. Several factors influence the overall insurance rates, including: marital status, age, gender, driving record, presence of prior insurance, type of vehicle, number of miles driven. It is advisable to select an insurance policy that offers the best possible coverage, instead of one that is too cheap.

The average cost of auto insurance differs from one state to the other. Drivers can expect variations for both the minimum and full coverages, especially if they opt for additional coverages, such as comprehensive and collision. The factors influencing these values include: road conditions, number of uninsured drivers in the respective location, number of drivers in proportion with the population, at-fault accidents, weather-related accidents, etc.

Missouri has a slightly lower rate for the average car insurance than the national median, which is around $1,770. The states with the most expensive policies include: Pennsylvania, California, New York, Colorado, Nevada, Florida, Louisiana, and Michigan. The more affordable states are: Wisconsin, Maine, Nebraska, North Dakota, New Mexico, Oregon, Washington, and Tennessee. New York is among the most expensive states, with $2,996 for the full coverage and $1,339 for the minimum one. Maine has among the most affordable rates to offer, with $876 for the full coverage and $227 for the minimum one.

Within the state of Missouri, drivers might also find differences between various cities. Columbia has among the most affordable rates, while St. Louis stands at the top of the list in terms of cost. The overall costs are as follows: Columbia - $1,735; Springfield - $1,799; Independence - $2,024; Kansas City - $2,154; St. Louis - $2,617.

The value of each auto insurance policy is influenced by several factors, including the driver's age. This type of insurance typically cost more for young drivers, as insurance providers see them as immature and irresponsible. A teenage driver will usually pay an annual premium of over $7,700, in contrast with a middle-aged driver who will be prepared for a premium of around $2,000. Slight differences exist between genders, with women paying more for auto insurance than men. Married couples might benefit from the most affordable policies, in contrast to those who are widowed, single, or divorced.

In calculating the value of a potential coverage policy, insurance providers will consider the driver's credit history as well. Drivers with exceptional credit can end up saving on their car insurance premium, while someone with a poor credit history will pay higher rates. Vehicle owners with prior driving offenses, such as reckless driving, DUI/DWI, at-fault accidents, or speeding, usually pay higher rates as well. One should not forget that the overall rates fluctuate in accordance with the type of coverage. Drivers can add both comprehensive and collision to the state minimum policy, so as to increase the level of protection offered.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Missouri. Find car insurance in Missouri by city, zip code or county name.

Finding the right auto insurance in Missouri

Sometimes, finding the right auto insurance policy can turn into a complicated process. We are asking you to take a step back and allow us to provide our expert assistance. With years of experience and knowledge accumulated in the field of auto insurance, we are able to match drivers with the best policies for their needs. Of course, all of our suggestions are made with careful consideration to the available budget and other particular requirements. Just give us a call and we will be more than happy to offer the necessary support. Remember, this service is free-of-charge and it can save you from a daunting research process, so that you have more time to concentrate on important matters.