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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Missouri Car Insurance FAQs

  • Is Missouri a no-fault car insurance state?

    No, Missouri is an at-fault state, which means the driver who causes an accident is responsible for paying for damages and injuries. Their insurance typically covers the costs for the other driver, passengers, and property involved.

  • What is the cheapest car insurance in Missouri?

    The cheapest car insurance in Missouri varies for each driver depending on factors like car, driving history, and location. That being said, GEICO often offers competitive rates alongside one of the industry’s widest selections of discounts, making it a strong option to consider.

  • Why is car insurance so expensive in Missouri?

    Car insurance tends to be high in Missouri due to a large number of uninsured drivers, rising vehicle repair and medical costs, and frequent severe weather like hail and flooding that cause more claims. Urban traffic congestion and accident rates also contribute to higher premiums.

  • What do I need to get car insurance for my vehicle in Missouri?

    To get car insurance in Missouri, you’ll need basic information like your driver’s license, vehicle details (VIN, make, model, and year), proof of residence, and sometimes your driving history. Insurers may also ask for prior insurance information if you’ve been previously covered.