Missouri car insurance

Missouri offers miles of scenic beauty — from the picturesque forests of Ozark country to Route 66. Before you head out to explore the Show-Me State, make sure you have the right car insurance in Missouri. Learn more, including requirements in your state, and find coverage and discounts at Progressive that meet your needs.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

Does Missouri have minimum car insurance requirements?

Yes, it does. Missouri minimum auto insurance requires drivers to have liability coverage limits of at least:

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

Missouri also mandates uninsured motorist bodily injury (UM BI) with the following minimum limits:

  • UM BI: $25,000 per person and $50,000 per accident

These are the minimum coverages for residents of Missouri, but you may want to consider upping your limits or adding more coverages to give yourself even more protection. Learn more about auto liability insurance.

Add comprehensive and collision coverage for peace of mind

Most lenders require comprehensive coverage and collision coverage if you're financing or leasing your vehicle. Even if you own your car outright, you may want these coverages because they can reduce the cost of repairing or replacing your vehicle in the event of an accident, theft, or other covered incident.

Bundle your home and auto insurance policies — drivers nationwide who switch and save with Progressive save nearly $750 on average.*

How much is Missouri car insurance?

In 2020-2021, the average cost of a liability-only Progressive auto policy (single driver/single car) in Missouri was $87 per month.** From your ZIP code to the limits and car insurance coverages you choose, there are many things that can determine the price of car insurance. Learn more about the factors that impact car insurance rates, and get car insurance quotes for Missouri through Progressive.

How do I get cheaper car insurance in Missouri?

One way to lower the cost of your Missouri auto insurance is by earning discounts. Here are just a few you may be eligible for with Progressive:

  • Multi-policy
  • Paid in full
  • Online signature
  • Three-year safe driving
  • Continuous insurance
  • Five-year claim-free
  • Paperless

See all car insurance discounts.

Pro tip:

Safe drivers can save more. Snapshot® from Progressive personalizes your rate based on your driving habits.

Fast facts about driving in Missouri

  1. Missouri had the seventh-highest number of motor vehicle thefts in the country in 2019. Consider buying comprehensive coverage if you're worried about someone stealing your car.

  2. If anyone 8-15 in your vehicle is not wearing a seatbelt, you could get pulled over. Be sure your younger passengers buckle up to keep them safe and avoid a fine.

  3. An estimated 16.4% of drivers in Missouri were uninsured in 2019. You can give yourself more protection by increasing your uninsured motorist coverage limit.

How to get a car insurance quote in Missouri


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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.