Auto Insurance Missouri
Missouri is known historically as the Gateway of the West, which is why the Gateway Arch is just a majestic symbol for the state. The Show Me state wants the country to know how appealing the area is.
State of Missouri
The Gateway Arch is the country’s tallest monument measuring at 630 feet in the air. Missouri is practically located directly in the center of America. This makes the state a transportation hub with representation in the water, land and air transportation industries. Missouri is quite the agricultural sate with specialties in beef and cattle, hogs, corns, cotton and soybeans. The Ozark Mountains have a good supply of lumber as well. Missouri was the beginning of both the Oregon Trail and the Pony Express Trail and the historic starting point towards the expansion of our country westward.
Missouri Cost Averages Per Driver
Current average car insurance premium in Missouri $1,149.39
Current average car insurance premium U.S. $1,446.49
Average premiums in Missouri cities
Kansas City $1,456.54
Saint Louis $1,592.77
Uninsured or underinsured Motorist in Missouri
Nothing can make for a bad day like being struck by an uninsured driver. Being uninsured pretty much guarantees that the driver will not be able to pay for any damage costs caused by the accident. The only way to protect yourself from an irresponsible driver is to add uninsured motorist coverage to your own policy.
How much UM & UIM Coverage should you get in Missouri?
Missouri wants to protect its drivers. One way of doing this is to require all drivers to carry uninsured motorist coverage in case of bodily injury. This may be because 14% of the drivers in Missouri are operating vehicles without insurance. Missouri requires, at a minimum of $25,000/$50,000 in uninsured motorist coverage.
Determining at Fault for a Missouri Auto Accident
Missouri avoids the hassle of trying to determine who should be responsible for the damages caused in a car accident by being an at fault state. At fault drivers, and their insurance companies, in Missouri will carry the entire burden of the monetary damages. These at fault drivers need solid auto insurance coverage in order to protect them from high out of pocket costs.
MO Coverage Requirements
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured Motorist Bodily Injury: $25,000/$50,000 Limit
