Missouri car insurance

Before you head out driving through St. Louis, Kansas City, or Springfield, be confident that you have the right car insurance in Missouri when you choose Progressive. Learn about coverage requirements in your state and find discounts from Progressive that meet your needs.

4 min to read

Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Missouri's minimum auto insurance requirements?

Drivers in Missouri are required to have auto liability coverage (BI liability and PD liability), and uninsured motorist (UM) coverage at the following minimum car insurance limits:

Coverage	What is covers	Minimum amount
Bodily injury liability	What is coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What is coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident
UM bodily injury	What is coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$50,000 per person $100,000 per accident

While these are Missouri's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Missouri a no-fault state?

No. Missouri is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Missouri?

Liability-only Progressive policies in medium-cost states like Missouri cost an average of $105 per month.^* However, there are a variety of factors that determine your rate, such as your driving record, the coverages you carry, and more. Learn more about the factors that impact your car insurance rate.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^† Get an auto insurance quote today.

What is the best car insurance in Missouri?

Finding the best car insurance in Missouri means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Missouri get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Missouri, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $775 on average^††
GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in Missouri?

To lower your car insurance cost in Missouri, you may qualify for the following discounts through Progressive:

Multi-policy
Paid in full
Online signature
Three-year safe driving
Continuous insurance
Five-year claim-free
Paperless

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Missouri is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Missouri's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find out which ones are recommended for you.

Missouri driving resources

From Columbia to Lee's Summit, get to know Missouri's driving laws and resources. These resources apply to St. Joseph, Blue Springs, and everywhere in between. Local municipalities may have additional laws and resources.

Missouri Department of Revenue: Find out how to get or renew your Missouri license and registration.
Missouri traffic safety driver responsibilities: Learn how defensive driving can keep you safe on Missouri's roads, and other highway safety tips.
Missouri driver licensing FAQs: You can chat with a live agent and ask about getting or renewing your MO driver's license, CDL testing, graduated driver licensing, non-driver ID, and other driver licensing questions.
Car insurance resource center: Learn about how car insurance works, from terms and definitions to savings tips.