The Complete Guide to Missouri Car Insurance
Catching a Chiefs game or heading out to the Gateway Arch? Get covered with Lemonade car insurance in Missouri, the smart choice for drivers in the Show-Me State.
How much does car insurance cost in Missouri?
Car insurance in Missouri averages $221/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record. Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Kansas City | $259 |
| St. Louis | $306 |
| Springfield | $218 |
| Columbia | $196 |
| Independence | $234 |
Source: ValuePenguin
How can I get cheaper car insurance in Missouri?
Hybrid/EV discount
Lower rates for driving eco-friendly cars, like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits (like speed, braking, and making smooth turns) can positively impact your premiums.
What’s the best car
insurance in Missouri?
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly-right through the app.
What is the minimum car insurance
required in Missouri?
To meet Missouri car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Missouri drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $25,000 |
| Uninsured Motorist Bodily Injury | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
does Lemonade offer in Missouri?
Consider adding collision, comprehensive, and uninsured motorist coverage to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash, like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUnderinsured motorist bodily injury
Can help cover your medical bills and lost wages related to injuries caused by an underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreMissouri car insurance FAQs
Is Missouri a no-fault state?
No, Missouri isn’t a no-fault state. Missouri operates under at-fault insurance. If you’re injured, you can pursue claims against the at-fault driver’s insurance or file a lawsuit. PIP coverage isn’t required.
Do I need insurance to register a car in Missouri?
Yes, Missouri requires proof of auto insurance to register a vehicle. You must meet minimum liability coverage requirements. Insurance is electronically verified at registration – failure to maintain coverage can result in registration penalties.
What are the top risks for driving in Missouri?
Missouri’s rural highways experience dangerous speeding and impaired driving incidents, while urban traffic creates frequent accident conditions. Unpredictable weather patterns, including severe storms and ice, can rapidly make roads deadly. Wildlife crossings are common throughout rural areas.
How long do I have to report an accident in Missouri?
In Missouri, accidents involving injury, death, or property damage of $500 or more must be reported to law enforcement immediately. If police don’t investigate the accident, you must file a report with the Missouri State Highway Patrol within 30 days. Insurance companies often require faster reporting.
What are the top safety tips for driving in Missouri?
In Missouri, be careful on rural highways where deer and other wildlife cross. Adjust your speed when storms or ice hit. Stay alert in busy city areas. Don’t text and drive on long trips.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of the policies issued, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states. Please note that statements about coverages, policy management, claims processes, Giveback, and customer support apply to policies underwritten by Lemonade Insurance Company or Metromile Insurance Company, a Lemonade company, sold by Lemonade Insurance Agency, LLC. The statements do not apply to policies underwritten by other carriers.
Continue Reading
How Much Does Car Insurance Cost in 2026?
Let’s dig into the factors that impact car insurance rates.
How Much Does it Cost to Repair a Car Dent?
From $50 dings to $3,000 disasters, here’s what dent repair costs and how to pay less.
How Much Does Brake Pad Replacement Cost?
Brake pad costs, warning signs, and when insurance helps.
How Much Does Car AC Repair Cost?
AC repair costs, warning signs, and insurance coverage explained.
How Much Does It Cost to Repair a Tire?
What you can expect to pay to repair or replace your damaged tire at the repair shop.
How Much Does a Water Pump Replacement Cost?
Costs, coverage, and what you need to know.