Missouri car insurance

Common questions about Missouri
auto insurance

Need car insurance in Missouri? Whether you live in the Ozarks or St. Louis, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Missouri auto insurance, so you only pay for what you need.

What car insurance is required in Missouri?

In Missouri, it's illegal to drive without insurance. Drivers in Missouri are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured motorist coverage.

This chart shows the minimum auto insurance drivers are required to have in Missouri for these coverages.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$10,000 per accident
Uninsured/Underinsured Motorist Coverage	Equal to above minimums

For more information, check out the Missouri Department of Insurance.

What's the average cost of car insurance in Missouri?

The average cost of car insurance in Missouri was $3,222³ in 2024 according to thezebra.com. That's 47% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Missouri auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with Missouri state highlighted

Who has the cheapest car insurance in Missouri?

Getting the cheapest car insurance in Missouri sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴