$1,520
Avg Annual Premium
25/50/25
Min Coverage
6.2M
Population
5.1M
Registered Vehicles
Top Auto Insurance Carriers in Missouri
State Farm
GEICO
Shelter Insurance
Progressive
Missouri Minimum Auto Insurance Requirements
Missouri requires a minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). While this is the legal minimum, most experts recommend higher coverage limits to protect your assets.
Coverage breakdown (25/50/25):
- $25K bodily injury per person
- $50K bodily injury per accident
- $25K property damage per accident
How to Save on Auto Insurance in Missouri
- 1.Compare quotes from multiple carriers — rates can vary by $500+ for the same coverage
- 2.Bundle your auto and home insurance for multi-policy discounts
- 3.Maintain a clean driving record — tickets and accidents significantly increase premiums
- 4.Ask about discounts: good student, military, low mileage, safety features
- 5.Consider raising your deductible to lower your monthly premium
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