Missouri Car Insurance
In Missouri, whether you’re commuting into St. Louis for work or heading out to Joplin to check out its murals, a Farmers Flex Personal Auto® policy offers coverage options designed for how you drive today. You can choose the coverage you want at a price that's right for you. Discounts can make rates even more affordable.
What is the average cost of car insurance in Missouri?
Missouri drivers paid an average of $1,042 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Missouri?
A car insurance policy with a minimum amount of liability coverage is required in Missouri. However, minimum coverage may not be the full extent of coverage you want.
As of February 2023, 25/50/25 liability coverage limits are the minimum required in Missouri.
COVERAGE TYPE
MISSOURI MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury liability
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
MISSOURI MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
MISSOURI MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury liability
MISSOURI MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What does car insurance typically cover in Missouri?
A typical car insurance policy in Missouri includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in Missouri with a Farmers Flex Personal Auto policy.
Missouri car insurance discounts
Farmers offers a variety of discounts for drivers in Missouri. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Missouri.
Gateway Arch
More coverage options in Missouri
Learn From Experience
Still have questions about cars and car insurance in Missouri? We have answers.
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
