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Missouri Car Insurance

With Amica, Missourians can drive through the Show-Me State knowing we’re here to help when the unexpected happens on the road. 

Amica offers customized Missouri car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Auto insurance minimums in Missouri

In Missouri, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident where you’re at fault. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to certain limitations and exclusions. 

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the cost of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Missouri mandates coverage for uninsured motorist bodily injury, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident

Uninsured bodily injury coverage: Provides coverage if you’re injured in an accident caused by a driver who doesn’t have insurance to pay for your medical bills and other expenses.

It’s important to understand that these are just the minimum requirements, and Missouri drivers may choose higher coverage limits for added protection.

Additional coverage considerations in Missouri

Opting for additional auto insurance coverage beyond Missouri-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

What affects your Missouri car insurance rates

There are several factors that impact auto insurance in Missouri, including individual circumstances, location, coverage options and more. Here are some points to consider:

  • Driving history: Your individual driving record plays a substantial role in determining your Missouri auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations.
  • Vehicle type: Your car’s make and model, safety ratings, repair costs and likelihood of theft can influence Missouri car insurance rates.
  • Claims in Missouri: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Missouri.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Missouri auto insurance discounts for more savings

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts Missourians may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Missouri policy premium up front.

If you’re a Missouri driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Missouri

Fun facts about Missouri:

  • Kansas City ranks just behind Rome in terms of the total number of fountains, boasting over 200 within the metro area. It is often referred to as “The City of Fountains.”2
  • In 1839, the University of Missouri in Columbia was established as the first public university west of the Mississippi River.2
  • Kansas City has more miles of boulevards than any other city except Paris, which is why it’s sometimes referred to as the “Paris of the Plains.”2

Facts about driving in Missouri:

  • Missouri's Graduated Driver License law requires first-time drivers aged 15 to 18 to undergo a period of supervised driving (instruction permit) and restricted driving (intermediate license) before obtaining a full driver’s license.3
  • Missouri residents buying a new car, and new residents moving to Missouri, must obtain a vehicle title from their local license office within 30 days.3
  • Missouri's "Steer It, Clear It" law mandates that vehicles in minor, non-injury accidents must move off the road.3

How to get car insurance in Missouri

We’re here to guide you through the process of personalizing your car insurance in Missouri. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Missouri drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Missourians can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 82 Magnetic Facts About Missouri
3 Missouri Driver Guide

 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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