Missouri Car Insurance

Missouri car insurance
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Car Insurance for Missouri Drivers

Whether you’re going to cheer on your favorite team in St. Louis or heading out to catch some live music in Branson, you want to feel protected as you travel the roadways of Missouri. You can trust Missouri car insurance through the AARP® Auto Insurance Program from The Hartford.1 We’ve been protecting Missouri AARP members and their families since 1984.
 
Are you in the market for car insurance coverage in Missouri? We can help you learn more about car insurance rates in Missouri, what the required coverage limits are and more. Request a car insurance quote from the AARP Auto Insurance Program from The Hartford. We have a reputation for integrity and trust that experienced drivers look for, along with high customer ratings for claims services.
 

What Is the State Minimum for Car Insurance in Missouri?

Missouri state law requires liability car insurance at the following minimum limits:2
  • $25,000 for property damage per accident.
  • $25,000 for bodily injury, per person per accident.
  • $50,000 for bodily injury, total per accident.
Missouri state law requires liability insurance at the following minimum limits:2
 

Additional Missouri Car Insurance Options Available to Drivers

You may want to consider getting more than the minimum coverage. For added protection, drivers in Missouri may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
 

Missouri Auto Insurance Benefits

missouri auto insuranceMissouri drivers could receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford, including:
 
  • Accident Forgiveness‡
  • Disappearing Deductible‡
  • 24/7 Claim Service
  • New Car Replacement§§

Proof of Car Insurance in Missouri

Missouri state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident.
 
If you’re a licensed driver in the state of Missouri, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Missouri is also among several states that accept electronic proof of car insurance and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Does Car Insurance in Missouri Cover Theft?

Yes, comprehensive car insurance does cover theft. Comprehensive policies help cover vandalism and theft.
 

Does Car Insurance Follow the Driver or the Car in Missouri?

Typically, car insurance covers the car. So, if someone else drives your car and gets into an accident, your insurance company helps cover the claims.
 

Staying Safe on Missouri Roads

As you travel through Missouri, there are a number of safe driving laws meant to protect you on Missouri’s highways and byways. Here are just a few:3
 

Missouri Seat Belt Laws:

Missouri does not currently have a mandatory seat belt law, but you can still be ticketed for not wearing your seat belt if you’re pulled over for another motor vehicle violation.
 

Missouri Teen Driver Laws:

Getting a driver’s license is a rite of passage for teenagers, and Missouri wants to be sure they stay safe in the process! Missouri has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 

Get Free Car Insurance Quotes in Missouri From The Hartford

Whether you’re looking for the minimum required liability coverage or full coverage car insurance in Missouri, we make it easy to get a quote. Call us at 888-413-8970 or get a quote online in just a few minutes. We have many insurance options and can help you decide how to get the best car insurance in Missouri for your needs.
 
 
Last Updated: October 13, 2023
 
2 Missouri Department of Revenue, “Insurance Information”
 
3 Governors Highway Safety Association, “States”
Missouri car insurance
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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