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Missouri car insurance
Getting car insurance in Missouri
Severe storms, flash flooding, and deer on rural roads can all create challenges for Missouri drivers. Choosing car insurance that accounts for those risks is the key to peace of mind. Progressive makes it easy to explore your coverage options. With our rate comparison tool, you can even see how the price for your selected coverages compares between us and other insurers.
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What are the minimum auto insurance requirements in Missouri?
Missouri requires drivers to carry liability insurance and uninsured motorist bodily injury coverage. The minimum limits are:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$25,000 per person |
|
Property damage liability |
Damage you cause to someone else's vehicle or other property in an accident |
$25,000 per accident |
|
Uninsured motorist bodily injury |
Covered injuries caused by a driver who has no insurance or leaves the scene of an accident |
$25,000 per person |
While these are Missouri's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.
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Car insurance discounts in Missouri
Progressive offers several ways to save on car insurance in Missouri. Popular discounts include:
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SAVINGS!Bundle & save
Save when you have two or more Progressive policies, including home and auto.
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Three-year safe-driving
Save when you've gone three years without an accident. This discount rewards drivers with a recent history of safe driving.
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Homeowner
Save when you own a home, even if your home isn't insured through Progressive's network of home insurers.
What is the average cost of car insurance in Missouri?
Drivers in medium-cost states like Missouri paid an average of $112.80 per month for a liability-only policy from Progressive in 2025.† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.
Factors that impact your auto insurance rate in Missouri
Several factors affect how much you pay for auto insurance in Missouri, including:
- Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
- Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
- Location: Rates may reflect traffic, theft, weather-related claims, and claim frequency where you live. In Missouri, severe storms, hail, flash flooding, and deer collisions can add to local driving risks.
- Vehicle use: How often and how far you drive may affect your rate.
- Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.
Recommended additional auto insurance coverages in Missouri
Missouri's required coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.
Coverage
|
Coverage |
What it covers |
|---|---|
|
Comprehensive |
Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events |
|
Collision |
Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object |
|
Medical payments |
Covered medical and funeral expenses for you or others injured while riding in or driving your vehicle, regardless of fault |
If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.
Missouri driving resources
Use these resources to learn more about Missouri driving laws and insurance requirements. You can also find help with vehicle registration and look up current road conditions.
- Missouri Department of Revenue (DOR): Find information about driver's licenses, vehicle titles and registration, license plates, and other motor vehicle services.
- Missouri Department of Commerce and Insurance (DCI): Review auto insurance requirements, coverage information, consumer guidance, and help with insurance questions or complaints.
- Missouri State Highway Patrol (MSHP): Find information about driver examinations, vehicle safety inspections, and other Missouri driver and vehicle safety requirements.
- MoDOT Traveler Information: Check current traffic, crashes, construction, road closures, flooding, winter road conditions, and traffic cameras across Missouri.
How to get car insurance in Missouri with Progressive
Progressive gives Missouri drivers several ways to get a quote and compare coverage. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.
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Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Missouri car insurance FAQs
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No. Missouri is an at-fault state. The driver who causes an accident may be responsible for the other driver's injuries and property damage.
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What else needs protection in Missouri?
