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Better rates for better drivers in Missouri

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Fair auto insurance in Missouri

From St. Louis to Columbia and Springfield to Kansas City, you can get cheap car insurance with Root. It’s easy. Download our app, complete your test drive, and see if your good driving could save you hundreds.

How it works

Traditional auto insurance companies base your rate on demographics, details like your age, ZIP code, marital status, and other factors that have nothing to do with your driving habits. Root bases your insurance rate primarily on how you drive because it’s the fair way to price car insurance.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for Missouri car insurance

What are the minimum auto insurance requirements in MO?

To legally operate a vehicle in Missouri, you must carry Liability insurance and Uninsured/Underinsured Motorist coverage. If you’re found driving without insurance, you can face points on your driving record and suspension of your driver’s license.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in MO:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage

Uninsured/Underinsured Motorist coverage

This insurance pays for damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have enough car insurance.

Minimum required Uninsured/Underinsured Motorist coverage:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

What other coverages does Root offer?

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(including glass coverage)

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Medical Payments


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Personal Injury Protection

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Rental Car coverage

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Missouri?

The average driver in Missouri pays $1,411[1] per year for their auto insurance, but many people pay much more. Root doesn’t insure high-risk drivers, so Root customers could save up to $900 a year all while enjoying fair and simple car insurance.

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Start saving on car insurance in Missouri

Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 2020.

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Root Inc.

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.