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Missouri Auto Insurance

Bodily injury and property damage liability protections are required by most states, and Missouri is no exception. Drivers in the Show Me State must have policies that include these liability coverages to protect them in situations when they're at fault in a collision that either injures another party or causes damage to another's car or other property.

But Missouri takes it a step further and mandates that drivers also have uninsured motorist coverage before hitting the open road. Uninsured motorist protection can cover property damage to your vehicle or medical bills that result from being struck by a driver who doesn't have auto insurance.

Following are the liability minimum limits required by Missouri and what they mean:

25/50/10

  1. $25,000 coverage for bodily injury per person
  2. $50,000 coverage for total injury per accident
  3. $10,000 coverage for property damage

The bad thing is, those minimums might not be enough. You're still potentially liable for expenses that exceed those amounts when you're at fault for a wreck.

And then there's the matter of damage to your own vehicle. Liability coverage won't pay for those repairs.

What's a driver to do? Purchase collision coverage when you want to make sure you have help, up to your policy limits, when you cause a wreck that damages your car. You should look into comprehensive coverage as well. It can help when your vehicle is stolen or damaged by flooding, fires, vandalism and other means.

Talk to an agent about what's right for you.

Missouri auto insurance and discounts

Though Missourians are required to have a little more coverage than most states, there are plenty of discounts that you could qualify for to reduce the size of your premiums, including the following:

  • Good driver discount.
  • Good student discount.
  • Accident-free discount.
  • Multi-policy discount.
  • Multi-car discount.
  • Safety-features discount.

Start a dialogue with a HomeInsurance.com agent to learn more about these savings opportunities and ask for a complete rundown of the discounts available in Missouri. Call today!

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