Missouri Auto Insurance Policy Requirements

Q: What is in a basic Missouri auto insurance policy?
A: You can add these main kinds of auto insurance coverage to your Missouri policy:

  1. Liability Coverage
    1. Because people and property are separate insurance concepts, liability insurance is made up of two types of coverage:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is compulsory in Missouri. To legally drive in Missouri you must have an auto insurance policy with the state’s minimum liability coverage:
      1. 25/50/10” (Missouri’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to more than one person.
      4. $10,000 for damage to property.
    3. Liability minimums are different when a vehicle is leased.
  2. Collision Coverage is required by Missouri state law for your auto insurance policy when your vehicle is not completely paid for (financed). State law does not require it when the vehicle is not financed.
  3. Comprehensive Coverage is only required by Missouri state law if your vehicle is financed. Comprehensive is an optional part of an auto insurance policy in Missouri.
  4. Medical Payments Coverage is not required by the state of Missouri but it is a recommended addition to your auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is required by Missouri state law for all auto insurance policies.
  6. Personal Injury Protection (PIP) Coverage is a part of a Missouri auto insurance policy that is not required though recommended.
  7. Other Options for a Missouri Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Missouri a No-Fault state?
A: No, Missouri is not a state with no-fault insurance.

Q: How can I get a discount on a Missouri auto insurance policy?
A: You may qualify for discounts on auto insurance in Minnesota. To see if you can lower the cost of your auto insurance policy, look over our list of auto insurance discounts.

Q: Where can I find more information about Missouri auto insurance?
A: You can refer to these authoritative internet resources to direct you in your search for more information about auto insurance policies in Missouri:
  1. Missouri Insurance Resources
    1. The Missouri Customer Services Division licenses, registers, and regulates the motor vehicle activities of Missouri residents. A helpful automobile insurance page offers details on state requirements and accident information.
    2. The Missouri Department of Insurance, Financial Protections, and Professional Registration (DIFP) is a state agency that aids consumers in making qualified decisions on purchasing insurance. They offer some thorough information on auto insurance.
  2. National Insurance Resources

St. Louis is known as the “Gateway to the West”, and CLICKinsure wants to be Missouri’s “Purveyor of the Best” in auto insurance. Whether you live high in the Ozarks or around the fertile soil north of the Missouri River, CLICKinsure can share any information you need about securing auto insurance in Minnesota. We can give details on procedures like filing a claim or on insurance options like multi-car discounts. As an insurance broker, CLICKinsure serves the entire state of Minnesota, including Kansas City, St. Louis, Springfield, Independence, Columbia, Lee’s Summit, Florissant, Liberty, and Saint Joseph.