Safe Drivers Could Save in Missouri

Download the app, start your test drive, & see how much you can save.

Reviewed & verified by
Cara Carlone
Last Updated Mar 22, 2024

About Missouri Car Insurance

In the diverse Missouri landscape, from the tranquil rural settings to bustling cityscapes, prudent drivers can secure noteworthy savings on their car insurance with SteadyDrive. By embracing safe driving practices, you can qualify for discounts on your auto insurance premiums. Getting started is as easy as 1-2-3: Download the app, start your test drive, and see if you qualify for discounted car insurance quotes.

Missouri

Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
$610/Yr
Source: Bankrate

National

Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
$741/Yr
Source: Bankrate

NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.  

These are sample rates and should only be used for comparative purposes.

How SteadyDrive Works

Download the app

Go to the App Store or Google Play
and enroll in seconds.

Start your test drive

Drive safe & you could qualify for
savings on car insurance.

Qualify for discounts

After a few weeks, you could get discounted insurance quotes from a leading insurer.

Minimum Car Insurance Requirements in Missouri

Bodily Injury
$25,000
/Person
Property Damage
$25,000
/Accident
Uninsured Motorist
$25,000
/Person
Either
Full or Limited Torts

Bodily injury liability coverage

$25,000 per person / $50,000 per accident

Property damage liability coverage

$25,000 per accident

Uninsured motorist coverage

$25,000 per person / $50,000 per accident

Optional Car Insurance Coverage (varies by carrier)

  • Collision coverage
  • Comprehensive coverage
  • Underinsured motorist coverage
  • Medical payments
  • Rental reimbursement
  • Towing or Roadside assistance
  • & more. Be sure to ask your insurance agent.

Missouri Driving Statistics

127,485 (2022) Crashes in Missouri
Insurance Rates
increased 12.7% on average statewide (2024)

Source: ValuePenguin

5.6 million (2015) to 5.5 million (2020) Registered Vehicles

Source: ValuePenguin

0.7% Population Change from 2020 - 2023

Frequently Asked Questions

Is Missouri a no-fault insurance state?

Missouri is an at-fault state for car insurance. This means that the driver who is at fault for an accident is responsible for paying for the other driver's injuries and property damage. In Missouri, drivers can also file lawsuits to seek compensation for medical expenses, even basic ones, after an accident.

Source: WalletHub

Is PIP required in Missouri?

Missouri is an at-fault state, so drivers are not required to purchase personal injury protection (PIP) coverage. However, medical payments are an optional coverage that drivers may add to their policy. This means that if a driver is at fault for an accident, their insurance company will pay for their medical expenses up to the limits of their policy.

Source: Phalen Law Firm

Does Missouri require uninsured/underinsured motorist coverage?

Missouri requires ‘uninsured’ motorist coverage. However, underinsured motorist coverage is optional.

Source: Missouri Department of Insurance

You Could Save Hundreds

SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.

Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.

Disclaimer:
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.

Start Driving & Start Saving

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