Car insurance in Missouri
Do you live in Missouri and need car insurance? Don't worry, we have what you'll need to make sure you're in compliance with state laws. Below, we have answers to the most common questions regarding auto insurance in Missouri.
Do I have to have car insurance in Missouri?
Yes. It's illegal to drive without insurance in the state of Missouri.
According to the Missouri Department of Insurance, the minimum legal requirement for auto insurance is:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$25,000 per accident for property
The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
The Department of Revenue is now tracking drivers to make sure they keep their liability insurance policies in force. If you let your coverage lapse you will be subject to suspension of the vehicle's registration and possibly your driver's license.
Some drivers choose just the minimum, while others enjoy the peace of mind of having more protection and knowing they are protected no matter what happens.
What coverage is best for me?
The insurance industry recommends buying more than the minimum coverage because accidents will usually cost more than these minimum limits. If you only have the minimum, you will likely have to pay a significant portion out-of-pocket if you're in an accident. What do they recommend?
A general recommendation from the insurance industry is to carry a minimum of $100,000 of bodily injury protection per person, $300,000 per accident, and $100,000 of property damage or 100/300/100.
We can help you choose the best coverage without paying for more than what you need.
Let Triangle Insurance take the guesswork out of buying an auto insurance policy in Missouri
At Triangle, we can make sure your car insurance policy meets or even exceeds the minimum required coverage in Missouri.
If you're a longtime resident or just moving to Missouri and are looking for the best car insurance quotes, Triangle has excellent rates, and we will work with you to help ensure you are properly protected and fully compliant with Missouri state laws.