Missouri Auto Insurance Online

Great seal of the state of Missouri
If you're a consumer looking for Missouri auto insurance online, you've arrived at the perfect place. OnlineAutoInsurance.com helps you instantly compare rates from multiple companies by simply completing one short questionnaire. Completing a quote comparison in MO is the best way to ensure that you get an affordable rate. You should settle for nothing other than low rates.

Compare Missouri Auto Insurance Quotes

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currently insured:yesno

State of MissouriHow are Missouri car insurance rates determined?

Insurers base their rates on a few factors such as the following:
  • Coverage and deductibles
  • Insured information such as age, sex, driving record, claims history (carriers are prohibited from raising rates for comprehensive claims), where one resides, and credit history
  • A vehicle's year/make/model as well as frequency and type of vehicle use
The more profitable a company is, or the lower the amount of claims they pay, the lower they can set their rates to attract new customers. By comparing MO car insurance quotes, motorists can find the cheapest rate.

Missouri Auto Insurance Law

State law makes it mandatory for all drivers to buy Missouri auto insurance and maintain their vehicle policy with a minimum of coverage. MO car insurance requirements mandate that drivers registering or renewing license plates on their automobile will be required to have it insured and must be able to show proof when requested by an officer.

The following coverage is required by law:

Liability Coverage$25,000 bodily injury per person
$50,000 bodily injury per accident
$10,000 property damage per accident
Uninsured Motorist Coverage$25,000 bodily injury per person
$50,000 bodily injury per accident

How to get cheap car insurance in MO:

  • The lower the amount of driving record violations, the cheaper coverage will be. If motorists already have tickets and accidents, it can mean that high risk car insurance in MO may be needed, and they will have to take advantage of other discounts in order to get lower rates. Try not to get any more violations because they will definitely continue affecting premiums.
  • Take advantage of OnlineAutoInsurance.com's free quotes and compare the rates of multiple companies. Comparing rates is even encouraged by regulators in the Missouri Educational Guide to Automobile Insurance. They suggest getting rates, coverage, and service information from a number of companies in order to get the best deal.
  • Experiment with various types of coverage and change deductibles to see what effect it has on rates. Shoppers can get as many quotes as they would like; after all, they're free. Experimenting with various types of coverage can help consumers find out what is within budget and to their satisfaction.
  • Having a good credit score can help shoppers find cheap MO car insurance rates. If they have a good credit score, they will most likely qualify for affordable rates.

Take advantage of discounts:

  • Be sure to include information that will bring discounts.
  • There are multiple discounts such as:
    • Multi-car discount
    • Policy-combination discount (adding a vehicle and home to the same policy)
    • Good driver discount (accident and/or violation free)
    • "B" average or better student iscount
    • Married driver discount
    • Vehicle features discount for:
      • Anti lock brakes
      • Air bags (driver, passenger, side impact)
      • Automatic seatbelts
      • Alarm
  • Senior citizen discount
  • Paid-in-full discount

Questions on Getting Cheap Insurance in MO

  • Who is Covered Under My Missouri Auto Insurance Policy?

    Missouri state flagWhen a resident purchases automobile insurance in the Show Me State it generally covers more than just the policyholder, and often includes family members or other additional persons as well. Many coverage providers have specific rules or requirements for...

  • Is Force Placed Auto Insurance Legal in Missouri?

    Missouri state flagYes, there are many different lending institutions in the Show Me State that require customers to purchase a certain amount of vehicle protection, and place forced coverage on the automobile if a motorist fails to buy or maintain an adequate policy. Often when coverage is placed by...

News for Missouri Car Insurance

  • Missouri Recovers $12.8M for Consumers, Beating Total in 2012

    November 22, 2013 - The Missouri Department of Insurance (MDI) recently reported that, through the first three quarters of 2013, it has already beaten the total amount of claim payments that regulators recovered last year for consumers. The insurance regulatory department said last week that it has recouped $12.8 million for consumers who filed ...

  • Missouri Court Ruling Goes Against Red-Light Camera Programs

    November 15, 2013 - A recent appeals court ruling in Missouri says state law invalidates the way cities there enforce their red-light camera programs. In a decision that has already had an impact on red-light camera programs throughout the state, the appellate court ruled that the enforcement of a red light program in Ellisville, Mo., incorrectly ...

  • Missouri Lawmakers Override 'No Pay, No Play' Veto

    September 17, 2013 - Missouri has become the 11th state in the country to stop motorists lacking auto insurance from collecting non-economic damages resulting from a car wreck, even if the crash wasn't their fault. The law, nicknamed "no pay, no play," prohibits uninsured motorists from collecting money for pain and suffering claims from ...

Articles about Missouri Coverage

  • Car Insurance Coverage in Missouri

    Jul 18, 2011 - There are typically risks involved in operating a motor vehicle, and sometimes accidents can occur. Purchasing a vehicle protection plan can not only help a vehicle owner avoid costly repairs or medical expenses, but also...

  • Purchasing Auto Insurance in Missouri

    Apr 21, 2011 - Automobile insurance in the Show Me state is a necessity for all motorists but often times finding and purchasing a protection plan can be a simple and rewarding experience. It's important that motorists have an adequate amount of...

  • Checking MO Insurance Companies Before Buying

    Feb 04, 2011 - Getting automobile coverage in The Show Me State is like many others; it requires a fair amount of research before making a purchase. This is because making comparisons between companies and looking into different offers is an essential ...