Driving in Missouri is a daily part of life for many people. Whether you’re heading to work, school, or just running errands, it’s important to make sure you’re protected on the road. Missouri law requires drivers to carry car insurance, but not everyone knows exactly what that means. Are you meeting the minimum requirements—or could you be missing some important coverage?
This guide breaks down what Missouri mandates for auto insurance, what optional coverages you might want, and how working with a car insurance broker in St. Louis can help you make smart choices. We’ll also look at how bundling with home and auto insurance in Missouri can save you money.
What Auto Insurance Does Missouri Require?
Missouri has specific rules for what every driver must have to legally operate a vehicle. These are called minimum liability requirements.
Required Coverages:
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Bodily Injury Liability
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$25,000 per person
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$50,000 per accident
This covers injuries you cause to other people in a car crash.
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Property Damage Liability
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$25,000 per accident
This helps pay for damage you cause to someone else’s car, home, fence, or other property.
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Uninsured Motorist Bodily Injury
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$25,000 per person
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$50,000 per accident
If you’re hit by a driver who doesn’t have insurance, this protects you and your passengers.
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Important Note:
These are just the bare minimums. While they keep you legal, they may not fully protect you in a serious accident. Medical bills and repairs can add up fast.
Optional Coverages You Might Want
Missouri only requires liability insurance, but that leaves your own car and costs unprotected. Here are some optional types of coverage that can give you more peace of mind:
1. Collision Coverage
This pays to fix or replace your car after a crash, even if you’re at fault.
2. Comprehensive Coverage
This covers damage from things like theft, fire, hail, or hitting a deer — not just crashes.
3. Medical Payments Coverage (MedPay)
Helps cover medical expenses for you and your passengers, no matter who caused the accident.
4. Underinsured Motorist Coverage
Covers you if the at-fault driver doesn’t have enough insurance to pay for your injuries or damages.
5. Rental Reimbursement
Pays for a rental car while your vehicle is being repaired after a covered accident.
6. Roadside Assistance
Helps with towing, flat tires, dead batteries, and other roadside problems.
Why Work With a Car Insurance Broker in St. Louis?
When it comes to choosing the right policy, it can be hard to know what coverage is really worth it. That’s where a car insurance broker in St. Louis comes in. Brokers aren’t tied to one insurance company — they work for you. They compare different companies and plans, explain what’s included, and help you find the best price.
Brokers can also help bundle home and auto insurance Missouri, which often leads to big savings and fewer headaches. You’ll get one bill and one point of contact for both policies.
The Benefits of Bundling Home and Auto Insurance in Missouri
If you own a home, bundling your home and auto insurance can make things easier and more affordable. Here’s how:
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Discounts: Most insurance companies give a discount when you bundle.
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Simplified Billing: You’ll only have to keep track of one payment each month.
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Better Protection: Bundling helps you fill any coverage gaps between your home and car insurance.
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More Leverage: A bundle gives you more value as a customer, which can mean better service and faster claims.
A knowledgeable broker can help you figure out which bundle works best for your lifestyle and budget.
Are You Fully Covered?
Ask yourself these questions:
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Do I only have the minimum required coverage?
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Could I afford to repair or replace my car after an accident?
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What happens if I get hit by someone with no insurance?
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Am I paying too much for limited protection?
If you’re not sure about your answers, now is a good time to talk to a local expert.
Conclusion
Driving without enough insurance can be risky — even if you’re meeting the legal minimum. To truly protect yourself, your car, and your finances, it’s smart to explore all your coverage options. A trusted car insurance broker st louis can help you find the right plan, often with better value than buying online alone.
And if you own a home too, bundling home and auto insurance in Missouri might be the smartest move you make this year.
