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Missouri Car Insurance

Missouri auto insurance is vital for car owners in the Show Me State. As with consumers in other states, anyone looking for Missouri auto insurance is often looking for ways to save on his or her yearly premiums.

Whether you are looking for Missouri car insurance for the first time, because you’ve moved or bought a new car, or are just looking to compare prices; the best thing to do is start by putting knowledge on your side. Use the guide below to make an informed decision.

Missouri Auto Insurance Requirements

Missouri has state required minimums for auto insurance. Uninsured motorist coverage and 25/50/10 liability coverage is what is mandated by the state for all car owners to carry. 25/50/10 means:

  1. $25,000 bodily injury liability limit per person
  2. $50,000 bodily injury liability limit per accident in total
  3. $10,000 property damage liability limit per accident

Keep in mind that these are required minimums. They are insufficient protection for most people and would not cover the expenses of many serious accidents. You should consider limits that are at least 4 or 5 times higher than these state-mandated ones.

Long Term Ways to Save on Missouri Auto Insurance

There are numerous tips to consider when looking to save money on Missouri auto insurance. However, the tips that will save you the most on your car insurance are the long term ones. These are the things that take time to put into action or may be something you keep in the back of your mind until the right time. 

  1. Buy the right car for insurance savings. Before you buy a car, do some research on which cars are the cheapest to insure. Things like how prone a car is to theft and the cost of replacement parts will be taken into consideration by underwriters to give each car a rating. If you can’t find specific information about the car you are looking at, get an actual quote.
  2. Improve your driving record. Drive defensively to avoid accidents. Slow down and pay attention to the rules of the road to avoid tickets. Don’t take chances on things like drinking and driving or other reckless behavior.
  3. Carefully consider where you will live. If you are planning to move and have a certain amount of flexibility in where you can live, doing some research and finding the right place will save you on insurance premiums. If you live in an area where car thefts and vandalism are high, and there are too many cars on the road increasing the likelihood of accidents, then you will pay more for car insurance.
  4. Don’t make frivolous insurance claims. Insurance is mostly to protect you from life’s catastrophes. You will find that your rates will go up if you have too many insurance claims. Remember if the damage is small, you may want to cover it out-of-pocket to avoid an insurance claim, because after the deductible has been paid, the impact on your premiums in the following years may outweigh any benefits you receive.
  5. When you have the option to take a driver’s education class, do so. Driver’s education for new drivers, defensive driver training for those over a certain age and safe driver education to avoid demerit points following a ticket will earn you a break on your car insurance.
  6. Get good grades. While it is important to take a driver'es education class it is also important to get good grades in traditional school if you are a student. Getting good grades can lower your MO car insurance premiums in a not so significant way.
  7. Get older and get married. Statistics show that young male drivers who are single have the worst rates of all. However time will help to improve these factors, at least for one of them! And you probably shouldn’t get married just for better insurance rates. Still, it’s good info to have.

Listing of the Best Missouri Auto Insurance Companies

There are literally hundreds of insurance offices in the state of Missouri. Some of the top companies offering auto insurance policies in MO include:

  • AIG
  • Liberty Mutual
  • Allstate
  • Unitrin
  • Nationwide
  • The Hartford
  • American Family
  • State Farm
  • Farmers

Of course, this is just a general list and no one insurance company is the best for everyone. This means it is important for you to do your research and shop around.

Shopping for Missouri Auto Insurance Quotes

When you have all the information you need on how to get the best Missouri auto insurance price, you are ready for quotes. It has never been faster and easier than it is with a free online quote tool like the one at the top of this page. You simply put in your zip code, honestly answer the questions you are asked and in no time you will have several quotes from top Missouri auto insurance companies.

Get started comparing Missouri car insurance quotes online now!

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