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. Solicitar una
cotización de seguro para autos 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
- Accident Forgiveness‡
- Desaparición progresiva del deducible‡
- Servicio de reclamaciones 24/7
- 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?
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. Llámenos al
888-413-8970 o
obtener una cotización 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 drivers could receive valuable 
