Missouri car insurance: requirements & free quotes
Missouri requires liability and uninsured motorist coverage and follows an at-fault system. Hail and severe spring storms are common across the state, from Kansas City to St. Louis.
Minimum coverage in Missouri
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Uninsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/25 + UM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Missouri
- Consider adding underinsured motorist coverage on top of the required uninsured coverage.
- Comprehensive coverage protects against hail and tornado damage.
- Ask about bundling and good-student discounts.
- Higher liability limits are worth pricing for metro commuters.
We connect drivers across Missouri
Including Kansas City, St. Louis, Springfield, Columbia and Independence — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Missouri car insurance FAQ
No. Missouri is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.