Affordable Missouri car insurance that puts you first
Root rewards Missouri drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Missouri auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Missouri auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Show Me State
You can spot the Gateway Arch from the highway in St. Louis, but Missouri driving stretches far beyond the Mississippi River. Kansas City, Springfield, Columbia, and the Lake of the Ozarks give Show-Me State drivers plenty of routes to know.
Gateway to the West: I-44, I-55, I-64, and I-70 all converge around St. Louis, creating a web of familiar metro routes.
Across Missouri: I-70 connects St. Louis, Columbia and Kansas City, while I-44 heads southwest through Springfield toward Oklahoma.
Keep an eye on the road: MoDOT maintains Missouri roads and bridges and provides statewide transportation information.
From St. Louis to Kansas City and beyond: Explore Missouri car insurance from Root.
Missouri's minimum auto insurance requirements
To legally operate a vehicle in Missouri, you must carry Liability insurance for bodily injury and property damage, as well as Uninsured Motorist Bodily Injury coverage.
The minimum coverage amounts required for drivers in Missouri are[1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury
$25,000 per person
$50,000 per accident
Types of Missouri auto insurance we offer
Explore our Missouri car insurance coverage options available below. We also offer Underinsured Motorist Bodily Injury coverage, Rental coverage, and a Rideshare & Delivery Endorsement. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Missouri?
The average Missouri driver pays $2,151 per year for full coverage car insurance[2].
Root customers looking to purchase Missouri car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Missouri Auto Insurance FAQs
What is the minimum car insurance required in Missouri?
To legally operate a vehicle in Missouri, you must carry liability insurance and uninsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance and uninsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Missouri.
Is it legal to drive without insurance in Missouri?
No, you cannot legally drive without auto insurance in Missouri. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Missouri?
Yes. Missouri requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Missouri?
The easiest ways to save on your Missouri car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Show-Me State.
Is Missouri a no-fault car insurance state?
No, Missouri is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Missouri?
Missouri law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and uninsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured motorist coverage required in Missouri?
Yes, Missouri requires drivers to carry Uninsured Motorist Bodily Injury coverage. Underinsured Motorist Bodily Injury coverage is optional and can be declined. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in Missouri?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Missouri?
High-risk Missouri drivers may be ordered by a court or the Missouri Department of Revenue to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
Does Missouri have a hands-free driving law?
Yes. Missouri's Siddens Bening Hands Free Law took effect August 28, 2023, and officers began issuing tickets on January 1, 2025. Drivers can't hold or support a phone while driving, except in limited situations like reporting an emergency. Tickets can go on your driving record and raise your rate, so keeping your phone down is good for your safety and your wallet.
What happens if I'm partly at fault for an accident in Missouri?
Missouri follows a pure comparative fault rule, so you can recover damages even if you were mostly at fault for an accident. Your compensation is simply reduced by your share of fault. For example, if you're found 40% at fault, you could recover 60% of your damages.
Helpful resources for Missouri drivers
Missouri Department of Revenue
The Missouri Department of Revenue issues driver's licenses and ID cards and handles vehicle titles and registrations.
Missouri Department of Transportation
MoDOT maintains Missouri's roads and bridges and oversees transit, aviation, rail, and waterways.
Missouri Department of Commerce and Insurance
The Missouri Department of Commerce and Insurance regulates insurance in the state and helps consumers with insurance questions and complaints.
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Get a rate based primarily on how you drive. The safer you drive, the more you could save.
Helpful resources for Missouri drivers
Missouri Department of Revenue
The Missouri Department of Revenue issues driver's licenses and ID cards and handles vehicle titles and registrations.
Missouri Department of Transportation
MoDOT maintains Missouri's roads and bridges and oversees transit, aviation, rail, and waterways.
Missouri Department of Commerce and Insurance
The Missouri Department of Commerce and Insurance regulates insurance in the state and helps consumers with insurance questions and complaints.