Car Insurance Quotes Missouri
Car Insurance Quotes Missouri
Car insurance in Missouri is important to protect your vehicles, which are some of your biggest assets. By learning about your coverage options, using discounts, and asking the right questions, you’ll be on your way to a safer future. When looking for car insurance in Missouri, getting the right and competitive quotes is key.
To drive legally in Missouri, you need at least bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. But these are just the basics. You might also want to add collision and comprehensive coverage for more protection in case of accidents or damage.
Keep reading to find out how things like your age, driving record, and car type can affect your rates, and discover which company offers the cheapest coverage.
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Is Car Insurance Required in Missouri?
Yes, car insurance is required by law in Missouri. You need at least $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage. If your insurance lapses or you’re caught driving without it, you could lose your car’s registration and your driver’s license. You might also face a fine of up to $300, get 4 points on your license, and even spend up to 15 days in jail.
How much does car insurance cost in Missouri?
There are a few key factors that can affect how much you pay for car insurance:
- Driving record: Your driving history matters. If you’ve had accidents, tickets, or violations, your rates might be higher.
- Coverage and deductibles: The type of coverage you choose and the amount of your deductible (the money you pay out of pocket before insurance helps) can affect how much your insurance costs.
- Age and gender: Younger drivers usually pay more, especially if they’re less experienced. Gender can also play a role, as young men tend to have higher accident rates.
Missouri’s Minimum Car Insurance Requirements
In Missouri, all drivers must have car insurance that meets the state’s minimum coverage levels. These are the minimum requirements in Missouri:
- Property Damage Liability Coverage- for a minimum of $25,000 per incident
- Uninsured/Underinsured Motorist Bodily Injury Coverage- for a minimum of $25,000 per person and $50,000 per incident
- Bodily Injury Liability Coverage- for a minimum of $25,000 per person and $50,000 per incident
Additional auto coverage you should consider:
- Roadside assistance
- Rental car coverage
- Windshield replacement coverage
How to Get Car Insurance Quotes in Missouri
Use Online Comparison Tools:
- One of the simplest ways to get car insurance quotes in Missouri is by using online comparison tools.
- These websites let you compare quotes from various insurance companies in just a few minutes.
Contact Insurers Directly:
- You can also reach out directly to insurance companies like State Farm, Geico, or Progressive for a quote.
- They offer online forms and customer support to assist you.
Talk to an Insurance Agent:
- If you prefer a more personalized approach, working with a local insurance agent can be helpful.
- They’ll guide you through the options available and help you find the best policy for your needs.
Car Insurance Discounts for Missouri Drivers
Insurance companies offer various discounts to help you save on auto insurance. Some common ones include:
- Defensive Driving: If you’ve taken a defensive driving or accident prevention course and meet the age requirements, you could get a discount.
- Anti-Theft: If your car has an anti-theft device, you may qualify for a lower rate.
- Good Student: Students with good grades can get a discount on the car they’re assigned to, but requirements vary by insurer, and you might need to show proof of grades.
- Multi-Car: If you insure more than one car on the same policy, you can get a discount.
- Homeowners: If you own a home, you may be eligible for additional savings.
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Best car insurance in Missouri
If you’re looking for the cheapest car insurance in Missouri, here’s how much drivers usually save on average compared to their old insurers.
- GEICO customers who switch and save with Progressive save $757 on average
- Allstate customers who switch and save with Progressive save $920 on average
- State Farm customers who switch and save with Progressive save $661 on average
Get your free auto insurance quote today! You can message them or call 844-358-5605 to talk about your needs. They’re ready to help make buying auto insurance quick and hassle-free!
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