We know you’re the Show-Me State, Missouri, so Root is here to show you the savings good drivers can get with our fair car insurance. (See what we did there?) Traditional insurance companies don’t care if you’re a better driver than your neighbor. You’re paying for the 14% of uninsured drivers in your state, regardless. Well, we think the Mother of the West deserves better treatment—or at least an opportunity to prove good driving skills for lower rates.
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Show-Me State.
Since Missouri is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Springfield to Independence, Kansas City to St. Louis, and all points between (we’re looking at you, Columbia).
To legally operate a vehicle in Missouri, you must carry liability insurance and uninsured 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 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.
You can always opt for higher limits if you want more coverage.
This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance.
You can always opt for higher limits on this coverage, too.
Alternatives to car insurance also exist. While holding car insurance is the most common method for complying with Missouri's car insurance laws, you can meet the legal requirements by submitting proof of financial responsibility to the Department of Revenue (DOR). The following items are accepted by the DOR as proof:
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Acceptable forms include an insurance ID card issued by your insurance carrier or an electronic version of your ID card, both of which you get with Root.
If you’re found driving without insurance, you’ll face:
If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.
If you're in an accident and your driver's license is subsequently suspended because you didn’t have insurance at the time, you’ll need to file an SR-22. An SR-22 is not insurance, but a form certifying that you’ll hold the required insurance for a specific time period. (Root does this for free.)
The average driver in Missouri pays $1,1072 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.
Learn all about Root’s coverage options here:Our Coverages