Cheap Car Insurance in Missouri
Whether your idea of fun is camping under the stars in the Ozarks or exploring downtown St. Louis, the “Show-Me State” has plenty to offer. Before any adventure, make sure you have the right auto coverage.
EagleWay Auto Insurance is proud to offer cheap car insurance in Missouri. In this guide, we’ll show you which coverages are mandatory, which are optional, and how we can help you find affordable Missouri car insurance. Get a free quote to see how much money you can save!
Missouri Car Insurance Laws
Do you have to have car insurance in Missouri?
Missouri law requires all drivers to maintain continuous liability insurance. Missouri auto insurance policies must at least meet the minimum liability coverage limits. For example, liability limits in Missouri are 25/50/25.
Drivers must also carry uninsured motorist bodily injury coverage.
Missouri Minimum Car Insurance Requirements
Wondering what your insurance policy needs to make you street legal in Missouri? Here’s a quick breakdown:
| Coverage | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability Coverage | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) | Yes. $25,000 per person / $50,000 per accident. |
| Medical Payments Coverage (Med Pay) | Not required. |
| Collision Coverage | Not required.1 |
| Comprehensive Coverage | Not required.1 |
IMPORTANT NOTE: While purchasing liability and uninsured motorist coverage satisfies Missouri law, it doesn’t protect you in every situation. Consider adding comprehensive and collision coverage for better protection.
1Your lender may require these coverages if you lease or finance your vehicle.
Additional Coverage Options
For extra peace of mind, Missouri drivers may have access to add-on services and other coverages depending on the insurer:
- Roadside Assistance*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Missouri Proof of Financial Responsibility and Penalties
Driving without insurance is illegal in Missouri. Consequences for failing to show proof of insurance may include:
- Conviction added to your driving record (4 points per offense; 8 points in 18 months = loss of driving privileges).
- Supervision order by the Department of Revenue.
- Suspension of driving privileges.
Suspension periods: 0 days (1st offense), 90 days (2nd offense), 1 year (3rd offense). To reinstate, you must provide proof of insurance and pay the reinstatement fee.
- 1st Offense: Contact Us
- 2nd Offense: Contact Us
- 3rd Offense: Contact Us
You may also be required to maintain full SR-22 requirements for three years following a conviction.
Penalties for Driving with a Suspended License in Missouri
Operating a vehicle without a valid license can result in misdemeanor charges for first offenses, escalating to felony charges and up to four years in jail for repeat offenses.
SR-22 Insurance in Missouri
High-risk drivers may be required to keep an SR-22 certificate on file to verify auto insurance coverage. You may need one if:
- You failed to maintain proper liability coverage.
- You were convicted of a DUI/DWI.
- You committed other serious driving violations.
If you need an SR-22 filed or have questions about penalties, Contact Us. EagleWay Auto Insurance specializes in helping drivers find affordable coverage regardless of driving history.
High-Risk Auto Insurance in Missouri
Drivers with violations or serious offenses are often considered high-risk. While some companies avoid these drivers, EagleWay Auto Insurance offers non-standard insurance to provide financial protection and affordable coverage.
Where Can I Find the Cheapest Car Insurance Rates in Missouri?
Car insurance costs vary depending on:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much, where, and how you drive
- Your demographics
- Your driving record
- Your credit history