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Missouri Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Missouri. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Missouri Car Insurance Laws

Missouri auto insurance law requires motorists to insure automobile with minimum liability coverage for injuries you cause to another, in at least $25,000 per person, $50,000 per accident, and $10,000 for property damage. The law also requires uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Many persons also buy optional collision or comprehensive coverage that would repair or replace their auto if damaged or stolen. Missouri car insurance companies may offer discount plans for auto insurance. Check the Missouri insurance department for Auto Insurance Discount Guide.

Missouri Motor Vehicles and Driving Licenses

The Missouri DMV site provides helpful resources including locations to the nearest license offices in your county. Driver license testing is performed by the Missouri State Highway Patrol. You can also link to the Patrol's website to locate testing stations. Plate renewals and forms ordering can be done online. Missouri law requires you to report accidents that happen in Missouri to the Driver and Vehicle Services Bureau if the accident involved an uninsured motorist and the accident caused more than $500, or someone was injured or killed. The Missouri Motor Vehicle Accident Report form can be downloaded from the website.

Drivers can find Missouri auto insurance information online including Missouri’s auto insurance policy requirements, Missouri MDI Auto Insurance Discount Guide and Auto Rate Guides according to the area you live in.

Missouri Department of Insurance (MDI)

Missouri Department of Insurance regulates the insurance industry in Missouri and provides consumer protection for the insurance-buying public. Consumers can read the most recent insurance news that affects Missouri residents, search for insurance company information, check an agent's status, read medical malpractice issues, and get detail information on auto, home, life, health and accident insurance. Consumers can also view complaint index and find which insurance companies have the fewest complaints against them.

The site lists Missouri auto insurer discounts. Find what percentage of discount each insurance company in Missouri gives on the individual discount categories. For example, State Farm Insurer and most of the major companies can give up to 30% discount for cars with airbags on both sides. The site has an online rate comparison and a complaint index of Missouri auto insurers. Missouri's mandatory automobile liability insurance amounts are also posted in the auto insurance section.