Missouri Car Insurance
Need to start a car insurance quote in Missouri? Whether you're driving through St. Louis, exploring the Ozarks, or commuting in Kansas City, GEICO makes it easy to get reliable, affordable Missouri auto insurance online. With competitive rates and dedicated customer service, getting covered is quick, convenient, and hassle-free.
So, whether you're new to Missouri or a life-long resident, take a look at these Missouri car insurance requirements to make sure you're properly insured.
Missouri Car Insurance Requirements
Before you get behind the wheel in Missouri, you need to have car insurance. Your policy must include the following coverages:
| Coverage Type | Missouri Minimum Limit |
|---|---|
| Bodily injury liability coverage | $25,000 per person and $50,000 per accident |
| Property damage liability coverage | $25,000 per accident |
| Uninsured motorist coverage | $25,000 per person and $50,000 per accident |
Please note these are only the required coverages that you need to insure your vehicle in Missouri, but there are a number of optional coverages you can add for extra protection.
Additional Auto Insurance Coverages in Missouri
While Missouri only requires a few basic types of car insurance coverage, you can add extra protection for more peace of mind on the road. Consider these optional coverages to help keep you and your vehicle covered:
- Collision Coverage: Helps pay to repair or replace your vehicle if it’s damaged in a crash with another car or object, no matter who’s at fault.
- Comprehensive Coverage: Covers non-collision damage like theft, vandalism, fire, and weather-related incidents such as hail or falling branches.
- Emergency Roadside Service: Offers assistance for common issues like dead batteries, lockouts, flat tires, or running out of gas—anywhere your travels take you.
Missouri Car Insurance Discounts
GEICO provides a variety of car insurance discounts* and reward programs that can help Missouri drivers lower their premiums, including:
| Discount | Details |
|---|---|
| Multi-Vehicle Discount | Insure more than one vehicle with GEICO and save on your Missouri auto insurance premium. |
| Good Driver Discount | MO drivers who maintain a clean driving record may be rewarded with lower rates. |
| Good Student Discount | Full-time students who maintain a “B” average or better can qualify for savings. |
| Vehicle Equipment Discount | Vehicles equipped with certain features may earn policyholders additional savings. |
| Multi-Policy Discount | Bundle your GEICO auto coverage with another policy, like homeowners or renters insurance, to save more. |
| DriveEasy* Program | Participate in the DriveEasy program through the GEICO Mobile app and get rewarded for safe driving habits. |
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