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Missouri Auto Insurance

When referring to auto insurance, Missouri is what is known as a tort state. This means that the state requires all drivers to carry liability coverage to pay for damages to people and property when an accident is their fault. Missouri insurance laws also require drivers to carry uninsured motorist protection to protect them when they are hurt or their car is damaged by someone without proper insurance.

Missouri Auto Insurance Rates

A recently conducted research analysis, which reviewed all state annual expenses for auto insurance, found that Missouri drivers' car insurance expense was on average $701.67. At that rate, Missouri ranked 32nd against the rest of the country. On average, Missouri drivers paid $382.11 for liability, $288.47 for comprehensive, and $150.98 for collision coverage on an annual basis.

Insurance companies calculate Missouri auto insurance by first figuring the cost to provide insurance to the whole state. They include all costs for legal fees and the previous year's payouts. Next, they categorize drivers according to risk, using factors such as age, location, automobile type, and driving record.

Once they have the driver categorized, they determine the Missouri auto insurance premium by giving values to specific categories of drivers. This is how they ultimately determine what individual drivers will have to pay in premiums.

Missouri Coverage Regulations For Auto Insurance

As a tort state, Missouri legally requires standard liability coverage in the amount of 25/50/10 at a minium. This is insurance talk for $25,000 of coverage per person injured, $50,000 for all people who are injured, and $10,000 for any property damages caused in an accident.

The legal minimums for underinsured or uninsured motorist bodily injury protection are 25/50, which means all drivers must purchase $25,000 per person and $50,000 for all personal injuries and property damage. Of course, these levels are the minimums for Missouri auto insurance and should not be considered adequate coverage because a driver's personal responsibility for damages can - and often does - exceed these amounts.

Missouri Auto Insurance Companies

Not all insurance companies calculate premiums exactly the same way, so you may find different rates through different carriers. It is always a good idea to compare multiple companies for better premium rates for your Missouri auto insurance.

Find Out More

If you need more information on Missouri auto insurance, contact the Missouri Department of Insurance at the following address:

Missouri Department of Insurance
PO Box 690
Jefferson City, MO 65102-0690

For other Missouri Insurance Resources, See:

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