Does Missouri have minimum car insurance requirements?

Yes, it does. If you're a resident of Missouri, you're required to carry 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 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 policies with Progressive — new customers nationwide save an average of over $1,000 per year.*

How much is Missouri car insurance?

In 2020, the average cost of a liability-only Progressive auto policy in Missouri was $128 per month.** From your ZIP code to the limits and 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.

How do I get cheaper car insurance in Missouri?

One way to lower the cost of your 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
  • Smart technology
  • Five-year claim-free
  • Paperless

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 in your vehicle is under 16 and not wearing a seat belt, you could get pulled over. Make sure your younger passengers are buckled up to keep them safe and avoid a fine.

  3. An estimated 14% of drivers in Missouri were uninsured in 2015. 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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