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Missouri Car Insurance Guide

Discover auto insurance requirements, the best companies, and how to get the lowest rates in Missouri.

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Missouri is the 18th-largest state in the country by population. It’s home to major cities such as Kansas City, St. Louis, and Springfield. The state is famous for its amazing barbecue, agriculture, and, of course, the Missouri River.

According to the Federal Highway Administration, there are about 4.25 million drivers in Missouri. The state requires all drivers to have auto insurance if they want to get behind the wheel. This page will help you learn how car insurance works in The Show Me State, including rates, laws, best companies, and more.

Average Missouri Auto Insurance Rates

Where you live is a big factor in how much you pay for car insurance. It’s always a good idea to look at your state’s average auto rates if you’re shopping around. This will help you know if you’re paying too much or getting a discount for your insurance. The table below shows the average cost of car insurance in Missouri. You can also see how Missouri’s rates stack up against the rest of the nation.

CoverageMissouri AverageUS Average
Liability$527.59$650.35
Collision$318.44$381.44
Comprehensive$223.94$171.87
Full Coverage$929.91$1070.47
Price Per Month$77.49$89.20
Note: cost totals are for one year of coverage. Data is from the Insurance Information Institute.

Average Full Coverage Rates

In the graph below, you can see the change in Missouri’s average auto insurance rates from 2012 to 2019. In 2012, average car insurance rates were at $638, but by 2019, they were at $929. This was an increase of $291, or 45%, during this time. Despite this increase, Missouri’s auto rates are far cheaper than the national average.

Missouri average auto insurance rates 2012-2019.

Average Liability Coverage Rates

This next graph shows Missouri’s liability auto insurance rates from 2012 to 2019. The state’s liability coverage rates are much cheaper than the rest of the US. However, rates still saw an increase through the seven years. Rates went from nearly $400 in 2012 to over $500 in 2019.

The rate increase may be due to the number of crashes per year in Missouri. In 2019, there were 157,038 crashes in the state. This is up from 142,966 crashes in 2012.

Missouri average liability insurance rates 2012-2019.

Average Collision Coverage Rates

The graph below displays Missouri’s average collision coverage rates from 2012 to 2019. Despite staying under the US average, rates increased from 2012 to 2019. Rates went from around $250 in 2012 to over $300 in 2019.

Missouri average collision coverage rates 2012-2019.

Average Comprehensive Coverage Rates

Unlike in the other graphs above, Missouri’s comprehensive coverage rates are much higher than the US average. Comprehensive rates also increased from 2012 to 2019, going from over $150 to about $225 during this time.

Missouri’s high comprehensive rates are most likely because of the state’s risk of natural disasters. Tornadoes, floods, winter weather, and earthquakes are all possibilities in Missouri. These can result in more comprehensive claims, raising rates for everyone in the area.

Missouri average comprehensive coverage rates 2012-2019.

Why Do Car Insurance Rates Keep Increasing in Missouri?

Although Missouri’s rates are below the national average, they’ve been steadily increasing each year. Why is this the case? There are a few reasons behind it. Inflation can contribute to the increase in car insurance rates. As the cost of auto repairs and medical bills go up, claims become more expensive. This results in higher rates. More accidents and claims in the area may also contribute to higher rates. This is especially if you live in an urban area.

With car insurance rates going up each year, it’s important that you get the best deal. It’s a smart idea to compare quotes from multiple insurance companies to find the cheapest rates. Discounts are also a great way to lower your premium.

How to Get a Car Insurance Quote in Missouri

If you’re shopping for a new auto insurance policy, you’ll need to get a quote from an insurer. An insurance quote is an estimate of your monthly rate. To get a quote, you have a few options. The first is by getting it from an insurer. You can also get a quote here at RateSonic.

When you get a quote, you’ll need to provide some info. This helps you get a fair and accurate rate. Here’s what you may need to give to an insurer when getting a car insurance quote:

  • First and last name
  • Age
  • Gender
  • Address
  • Phone number
  • Email address
  • Education and occupation
  • Desired coverages and limits
  • Names of other drivers on your policy

Be aware that when you get a quote online, it may not be fully accurate. You’ll likely need to speak with an insurance company’s representative or agent to get a final rate.

Find the Best Car Insurance in Missouri

Compare quotes among leading car insurance companies to get better coverage and lower rates.

Missouri Car Insurance Requirements

Every state, except Virginia and New Hampshire, requires car insurance to drive. However, states don’t always have the same requirements. Below are Missouri’s minimum car insurance requirements:

Liability Insurance

The only type of car insurance Missouri requires is liability coverage. This pays for any damages or injuries you cause to other parties in a car accident. To drive in Missouri, you need at least:

  • $25,000 of bodily injury liability (BIL) for one person
  • $50,000 of BIL for two or more persons
  • $25,000 of property damage liability (PDL) for any one accident

You may also see insurers or Missouri state resources write minimum liability requirements in shorthand form: “25/50/25.” Each number represents the amount, in thousands, you must carry on your policy.

Missouri’s minimum car insurance requirements are all you need to drive. However, they may not be enough to cover the expenses in the event of an accident. You should consider buying as much coverage as you can to avoid paying out of pocket. The auto insurance industry typically recommends bodily injury limits of $100,000 per person and $300,000 per accident.

Valid Proof

Drivers must carry proof of financial responsibility (FR) in their car at all times in Missouri. For most people, this will be an insurance identification card. Below is a list of all three types of valid proof of FR in Missouri:

Self-Insurance

Instead of buying auto insurance, Missouri allows you to opt for self-insurance. This is where you prove, in some other way, that you’ll pay for damages you cause in a car accident. There are three ways to achieve this:

Surety Bond

To use a surety bond as valid proof of FR, you need to complete Form 2308, Financial Responsibility Surety Bond. The bond you submit needs to show an amount of at least $75,000 to be valid. You must also complete a Power of Attorney form to go along with the bond.

Real Estate Bond

You may also use a real estate bond as proof of FR in Missouri. To do this, you’ll need two or more property owners in the state (including yourself). You and the other property owner must complete Form 1585, Justification of Sureties. The properties should, in total, be worth at least $150,000 with no liens or encumbrances against them.

The property owners will also need to complete a Proof of Financial Responsibility Bond form (Form 1721). A county or city Circuit Court Judge must then approve each form.

Deposit of Cash or Negotiable Securities

Depositing cash, stocks, bonds, or other negotiable securities is also an option for self-insurance. No matter the type, it should amount to at least $75,000 to be valid. You must complete three forms to do so:

  • Agreement to Pay Judgments (Form 5317)
  • Affidavit for Assignment of Securities (Form 4201)
  • Affidavit of no Unsatisfied Judgments (Form 4202)

Penalties for Driving Without Insurance

It’s illegal to drive without insurance in Missouri. Doing so will result in various penalties, including fines and license suspensions. Here’s what will happen if you’re caught driving without auto coverage in Missouri:

  • Four points on your driving record
  • Order of supervision to ensure you have proper coverage
  • Possible license suspension
  • License reinstatement fees

Best Car Insurance Companies in Missouri

With so many insurance companies to choose from, it can be hard to know which one is best. To find the best company, it’s important to look at how good a company is overall. The best car insurance companies offer great value for your money. The following are characteristics of great companies:

  • Competitive rates
  • Excellent customer service
  • Lots of discount opportunities
  • Customer loyalty benefits
  • User-friendly websites

Top Companies by Market Share

One way to find the best insurers is to look at who owns the most market share in your state. These companies are the biggest and most popular. The biggest isn’t always the best for you, but it’s a good place to start. Below are the top ten car insurance companies in Missouri by market share:

RankCompanyDirect Premiums WrittenMarket Share
1State Farm$917,788,98120.69%
2Progressive$617,082,00913.91%
3American Family$470,270,94910.60%
4GEICO$361,653,5498.15%
5Liberty Mutual$286,825,7656.47%
6Shelter Insurance$242,834,7915.48%
7Allstate$227,378,2805.13%
8Farmers$225,509,9185.08%
9USAA$195,739,5684.41%
10Auto Club$160,674,3403.62%

Top Companies by J.D. Power Rating

Another way to find the best insurer is by paying attention to a company’s J.D. Power rating. J.D. Power ranks car insurance companies in each state or region based on customer satisfaction. These are the companies with the highest J.D. Power rating in the Central region (includes Missouri):

RankCompanyCustomer Satisfaction Score (Out of 1,000)
1Shelter Insurance866
2American Family848
3GEICO847
4State Farm843
5Liberty Mutual840
6AAA838
7Travelers832
8Farmers828
9Auto-Owners821
10Progressive820
Note: these rankings didn’t include USAA, as it didn’t fit J.D. Power’s criteria.

Best Companies Based in Missouri

The best car insurance company for you may be based in Missouri. Local insurers tend to offer special benefits to state residents. It’s also a good way to support local businesses. Here are carriers based in Missouri:

  • Shelter Insurance
  • Missouri Farm Bureau
  • Traders Insurance Company
  • Cameron Mutual

Missouri Insurance Laws

No-Fault or Fault?

A no-fault insurance state requires drivers to carry personal injury protection (PIP) or medical payments coverage (MedPay). These types of car insurance coverage cover you and your passengers from injury, no matter who caused the accident. Missouri, on the other hand, is a fault or tort state. Here, the at-fault driver is responsible for all of the expenses in an accident.

Totaled Cars

Your car will become a total loss if its damages cost more than its actual cash value (ACV). In many states, the damages must reach a certain percentage of the car’s value for it to be totaled. In Missouri, insurers will declare your car a total loss if the damages reach 80% of the fair market value.

Salvage and Rebuilt Titles

Once your car is declared a total loss, it may receive a salvage title if its year is newer than 2011. A Vehicle with a salvage titles is illegal to drive. For this reason, insurance companies won’t cover it. The only way to legally drive a salvaged car again is to restore it to a safe condition and obtain a rebuilt title.

How to Get a Rebuilt Title in Missouri

To get a rebuilt title in Missouri, your car will already need a salvage title. Then, you’ll need to mail the following to the Missouri Motor Vehicle Bureau:

  • A salvage title certificate in your name
  • Bill of sale for the car
  • Completed Application for Missouri Title and License (DOR-108)
  • Vehicle examination certificate (DOR-551)
  • Notarized bills of sale in your name for all major component parts
  • Copy of the front and back of the certificate of title for any cars you received major component parts for
  • Any invoices, bills of sale, receipts for parts you used to rebuild the car
  • State and local taxes on the purchase price of the vehicle and parts used for restoration
  • $8.50 title fee and $6.00 processing fee

Insuring Cars with Rebuilt Titles in Missouri

You can insure cars with rebuilt titles in Missouri. Most insurance companies should offer you a policy. However, you may only be able to get liability coverage. Few, if any, insurance providers offer full coverage on rebuilt titles. This is because insurers understand that rebuilt cars were once totaled, so they may carry a higher safety risk. Rates are also likely to be high for this reason.

Full Windshield Replacement

Some states require insurers to replace your windshield without a deductible if it has damage. Missouri doesn’t have any law for this. This means that you’ll need to pay a deductible for any comprehensive claims involving your windshield.

Another option is to buy full glass coverage. For an extra cost added to your premiums, your insurer will replace your windshield deductible-free. Full glass coverage may be a smart choice in Missouri, where tornadoes and other severe weather are the norm.

Filing Claims

If you get into a car accident, chances are you’re going to end up filing a claim. You must file a claim as soon as possible so that you can get repairs or medical help promptly. Missouri’s Department of Insurance recommends that drivers file a claim with their own insurer unless they’re not at fault. If this is the case, you should file a claim with the other driver’s insurer.

What to Expect After Filing a Claim

After you file, you should expect your insurer to handle the claim fairly and promptly. In Missouri, the Unfair Claims Settlement Practices Act (UCSPA) requires insurers to investigate your claim within 30 days. The insurer must then send any claim forms within ten days. Then, the insurer must accept or deny the claim within 15 days. After the investigation concludes, you should receive a settlement.

SR-22 Forms

An SR-22 form is a document that certifies you have the minimum amount of insurance in your state. In Missouri, you may have to file an SR-22 form if you experience a license suspension. When you lose your license, you’ll need to keep an SR-22 form on file for up to two years.

Credit History

Insurers will often use your credit score as a way to determine your auto insurance rates. However, many states, such as California, don’t allow this practice. Missouri doesn’t have any law preventing insurers from using your credit history. If your credit rating is poor, you could see high auto rates.

Policy Cancellation

In Missouri, an insurer cannot cancel your policy if it’s been in effect for 60 days or more unless it has at least one of the following reasons:

  • Non-payment of premium
  • License suspension

Insurers must also send you a written explanation for why it has decided to cancel, non-renew, or deny your policy. Also note that Missouri prevents insurance companies and agents from asking you about any past policy cancellations, non-renewals, or denials.

Drunk Driving Laws in Missouri

In Missouri, you’ll receive a DUI if your blood alcohol content (BAC) is .08 or higher (.04 for minors). Two different laws dictate DUI convictions in Missouri:

  • Criminal law. This is regarding the ticket you’re issued. You’ll receive points on your record and may lose your driving privilege.
  • Administrative law. If your BAC is over the legal limit or you refuse to test, you’ll receive an automatic license suspension. This will happen even if the court throws out the ticket.

Penalties for a DUI are typically severe. After each conviction, penalties will get worse. Here’s what’ll happen if you get a DUI in Missouri:

First Offense

If this is your first DUI offense, you’ll receive a 90-day license suspension. However, you may be eligible for Restricted Driving Privilege (RDP). On RDP, you’ll need to file an SR-22 form and drive with an ignition interlock device (IID). Missouri gives you the option of either:

  • 90-day RDP with IID
  • 30-day license suspension, then a 60-day RDP

Multiple Offenses

After a second DUI offense, you’ll receive a one-year license suspension. If this is your second offense in five years, you may lose your license for up to five years. After three or more convictions, you will lose your license for ten years.

Getting a DUI won’t just result in legal trouble. You can also expect your car insurance rates to go way up. Insurers may even label you as a high-risk driver, making it hard for you to get coverage.

Driver’s License Points System

Missouri uses a driver’s license points system to keep track of violations on your record. After you have eight or more points on your record in 18 months, you’ll lose your license for anywhere from 30 to 90 days. This will depend on how many suspensions you’ve already had. Every year that you drive without new points, your total will go down.

Most Popular Cars in Missouri

Every state has a different collection of the most popular cars. Here were Missouri’s most sold cars in 2021:

  1. Ford F-Series
  2. Chevrolet Silverado
  3. Ram 1500/2500/3500
  4. GMC Sierra
  5. Honda CR-V

Most Stolen Cars in Missouri

Insurers pay close attention to which cars thieves target most in each state. If you own a car that makes the most stolen list, your rates could end up being higher. These were Missouri’s most stolen vehicles in 2021:

  1. 2006 Ford Pick-Up (Full Size)
  2. 2005 Chevrolet Pick-Up (Full Size)
  3. 2001 Dodge Pick-Up (Full Size)
  4. 2020 Nissan Altima
  5. 2020 Chevrolet Malibu
  6. 2014 Ford Fusion
  7. 2020 Jeep Cherokee/Grand Cherokee
  8. 1997 Honda Accord
  9. 2020 Toyota Camry
  10. 2008 Chevrolet Impala
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