Finding cheap car insurance in Missouri is achievable in the Show-Me State, where rates are generally close to the national average. Missouri's mix of urban and rural areas creates varied pricing, with comparison shopping being key to finding the best rates.
Missouri offers a competitive insurance market with many carriers. Understanding Missouri car insurance requirements and available discounts helps maximize your savings.
Missouri Car Insurance Requirements
Missouri requires minimum liability coverage of 25/50/25—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
Missouri is a tort state, meaning the at-fault driver is responsible for damages. The mandatory uninsured motorist coverage provides important protection.
What Affects Missouri Car Insurance Rates
Your location within Missouri significantly impacts your car insurance rates. St. Louis and Kansas City have higher premiums due to traffic density and urban crime rates. Rural Missouri typically has the lowest rates.
Missouri's severe weather including tornadoes, hail, and ice storms affects comprehensive coverage costs. The state sits in Tornado Alley, making weather-related claims common for Missouri auto insurance.
How to Save on Missouri Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Missouri. The competitive market offers substantial rate variations between carriers.
Take advantage of Missouri's discount opportunities including safe driver, multi-policy, good student, and defensive driving discounts. Consider higher deductibles if you can garage your vehicle during severe weather.