Full Coverage Auto Insurance: Missouri's Essential Plan Details

Missouri requires all drivers to have some form of auto insurance. The minimum level of coverage required by state law is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. The law also requires drivers to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Full coverage auto insurance in Missouri includes collision coverage, comprehensive coverage, and liability protection. Collision coverage pays for damage to your car after an accident, regardless of who is at fault. Comprehensive coverage pays for other types of damage, such as weather damage and theft. Liability protection pays to repair someone else's car if you are responsible for a crash, as well as their medical bills.

Minimum liability insurance requirements

Missouri law requires all motor vehicle drivers and owners to maintain some type of motor vehicle liability insurance coverage. Missouri motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. The minimum level of coverage required by state law is as follows:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

The law also requires you to have uninsured motorist coverage of:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident

The minimum insurance requirements in Missouri are often written as 25/50/25. This means that drivers must have bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as property damage liability coverage of $25,000 per accident. Additionally, the state requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.

Missouri requires all private passenger automobile insurance policies to cover the person named in the policy, their spouse or any other family member living in the same household, and any other person who has permission to drive the car. Personal auto insurance policies can specifically exclude named drivers, including family members who live in the home. Some policies may only provide the minimum liability limits (25/50/25) for other drivers not in your household who drive your car, even if your limits are higher.

It is important to note that non-residents of Missouri must maintain insurance that conforms to the requirements of their home state.

Full coverage insurance

Missouri law requires all motor vehicle drivers and owners to maintain some type of motor vehicle liability insurance coverage. Missouri motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. The minimum level of coverage required by state law is:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

• Collision coverage, which pays for damage to your own car after an accident, regardless of whose fault it is.
• Comprehensive coverage, which pays for other types of damage, like weather damage and theft.
• Liability protection, which pays to repair someone else's car if you're responsible for a crash, as well as their medical bills.

Lenders usually require you to obtain full coverage if you have a car loan or lease. You should also consider full coverage if your car is worth more than $5,000 or is newer than eight years old.

The average cost of full-coverage car insurance in Missouri is $2,613 per year, which equates to about $218 per month. The cost of Missouri car insurance is very close to the national average of $2,681 per year.

Cheapest full coverage insurance

When it comes to auto insurance in Missouri, drivers must carry a minimum amount of liability coverage to legally drive on public roads. This includes:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident

While this is the minimum required coverage, many drivers opt for full coverage insurance, which offers more comprehensive protection. Full coverage insurance typically includes:

• Collision coverage: Pays for damage to your own car after an accident, regardless of who is at fault.
• Comprehensive coverage: Covers other types of damage, such as weather damage and theft.
• Liability protection: Pays to repair someone else's car if you're responsible for a crash, as well as their medical bills.

Now, let's take a look at some of the cheapest full-coverage insurance options in Missouri:

USAA

USAA offers highly competitive rates for full-coverage insurance, especially for those with military ties. Their full-coverage policy for a 30-year-old man costs $80 per month, which is significantly cheaper than the state average. However, it's important to note that USAA is only available to current and former military members and their families.

State Farm

State Farm is another excellent option for cheap full-coverage insurance in Missouri. Their rates are extremely competitive, with full-coverage insurance costing around $122 per month. This is about 23% cheaper than the state average. State Farm also offers good customer service, making them a reliable choice.

Progressive

Progressive is a great choice for those seeking cheap minimum liability coverage, with rates as low as $40 per month. However, their full-coverage insurance is also worth considering, especially if you have a DUI on your record. Their rates for full coverage after a DUI start at $187 per month, which is 25% cheaper than the Missouri average.

American Family

If you have poor credit, American Family is a good option for full-coverage insurance. Their rates start at $218 per month, which is significantly cheaper than the state average and other competitors. However, it's important to shop around and compare rates, as American Family has been known to increase rates substantially after accidents.

Shelter Insurance

While not always the cheapest, Shelter Insurance is known for its superb customer service and robust local presence in Missouri. They are a great option for minimum liability coverage for teens, with rates that are 16% cheaper than the state average. For full-coverage insurance, their rates are also competitive, especially for those with a speeding ticket or an accident on their record.

In conclusion, while the above-mentioned companies offer some of the cheapest full-coverage insurance options in Missouri, it's important to remember that rates can vary based on individual factors such as age, driving history, and credit score. It's always a good idea to compare quotes from multiple providers to find the best coverage and rates for your specific needs.

Who is covered under an auto insurance policy

Auto insurance policies vary from insurer to insurer, but generally, there are coverages that can follow you or your car. Whether a person or vehicle is covered depends on several factors, including the names listed on the insurance policy, the state where you live, and whether you have permission to drive the vehicle.

Who is Covered When Driving My Car?

Your car insurance will typically cover other drivers operating your vehicle if they are listed on the policy. This may include your spouse, parents, siblings, children, or other household members. For others not listed on your policy, such as friends or extended family members, coverage depends on consent. If they have your permission to drive your car, they are usually covered under your policy.

Am I Covered When Driving Another Car?

If you are specifically listed on the car owner's insurance policy, you will be covered when driving that car. If you are not on the owner's policy, coverage will again depend on consent. If the owner gave you consent to drive their car, you are likely covered.

There are a few scenarios where your insurance will typically not cover other drivers:

• When other drivers are paying to use your car, such as in a car-sharing arrangement.
• Excluded drivers listed on the policy as not covered.
• Commercial activities, such as using your vehicle for deliveries or ride-sharing.

Missouri law requires all motor vehicle drivers and owners to maintain some type of motor vehicle liability insurance coverage. The minimum level of coverage mandated by the state includes:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage
• Uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 per accident

Optional insurance coverages

Missouri drivers can choose to add several optional coverages to their auto insurance policies for enhanced financial protection. While these coverages are not required by law, they can provide valuable peace of mind and additional security on the road. Here is a detailed overview of some optional insurance coverages available in Missouri:

Comprehensive Coverage

Comprehensive insurance covers the cost of repairing your vehicle when physical damage occurs due to non-collision incidents, such as theft, fire, vandalism, glass breakage, or contact with animals. This type of coverage is subject to a deductible, and it protects you from the financial burden of unexpected events that are not covered by collision insurance.

Collision Coverage

Collision coverage is essential if your vehicle sustains physical damage in a collision with another vehicle or object. Like comprehensive coverage, collision coverage is subject to a deductible, and it ensures that you can afford to repair your vehicle without incurring significant out-of-pocket expenses.

Underinsured Motorist Coverage

Underinsured motorist coverage protects you in the event that the at-fault driver does not have sufficient insurance to cover the damages. This coverage includes bodily injury protection, which helps pay for medical expenses and other damages that you and your passengers may be legally entitled to receive from the underinsured driver.

Medical Payments Coverage

Medical payments coverage provides financial assistance for reasonable and necessary medical expenses or funeral costs for you and other covered individuals under your policy, regardless of who is at fault in an accident. This coverage ensures that you can receive the medical care you need without worrying about the cost.

Accident Forgiveness

Accident forgiveness is an optional coverage offered by some insurance providers, such as Nationwide. With this coverage, your insurance rates will not increase after your first at-fault accident. This can be especially beneficial for drivers who value stability in their insurance rates, even after a mishap.

Roadside Assistance Coverage

Roadside assistance coverage offers help when your vehicle breaks down or experiences problems. Basic and Plus levels of coverage are available, typically including services such as fuel delivery, lockout service, and jump-starts. This coverage provides peace of mind for drivers concerned about vehicle breakdowns, offering a convenient solution to get back on the road.

Frequently asked questions