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Missouri Car Insurance Resources

Missouri Car Insurance

Car Insurance Rates in MO

^ From 2006 to 2010, Missouri cities had the 34th highest auto insurance rates in the nation. [2]

Car Insurance in MO by City

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Cars Insured in MO

^ Missouri ranked 17th of all U.S. states in total auto insurance policies in 2011. [1]

MO Car Insurance

Car Insurance in Missouri

Car Insurance Liability Requirements in Missouri

  • Minimum Liability Limits in MO: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Missouri

Required Car Insurance Coverage in Missouri
  • Auto Insurance Coverage Requirements in MO [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in Missouri

  • Insurer Verification of Auto Insurance in MO [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Missouri Car Insurance Facts, Estimates & Related Laws

Missouri Car Insurance Facts

Missouri Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in MO
    • Missouri had the 33rd highest auto insurance rates in the nation in 2010. [2]
    • Rates in MO ranked 33rd in the nation in 2009. [2]
    • In 2008, MO had the 36th highest rates in the country. [2]
  • Number of Auto Insurance Policies in MO
    • Missouri ranked 17th in the nation in auto insurance policies in 2011 with a total of 4,250,331. [1]
  • Uninsured Motorist Rate in MO
    • The uninsured motorist rate in MO ranked 22nd in the nation in 2009. [3]

Missouri Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for drivers 21 and younger. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Missouri Automotive Laws

  • Safety Belt Laws in MO
    • Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for 3 years and younger or less than 10 pounds must be in a child restraint; 4 - 7 years between 40 and 80 pounds and 4-feet-9-inches or shorter in booster seat. [7]
  • Motorcycle Helmet Laws in MO
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in MO
    • Renewal cycle: 6 years [7]

Missouri Auto & Driver Facts

Missouri Automotive Facts

Missouri Auto & Driver Facts
  • Speed Limits in MO
    • Rural interstates: 70 mph [7]
    • Urban interstates: 60 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in MO
    • Missouri cities collectively ranked 14th in the nation in total motor fuel consumption in 2011. [9]

Missouri Licensed Drivers

  • Licensed Drivers in MO [10]
    • Total Drivers: 4,277,037
    • Female: 2,177,938
    • Male: 2,099,099
    • MO has the 18th most drivers in the U.S.
  • Minimum Driving Age in MO [5]
    • Missouri has a minimum driving age of 15 years.

Missouri Auto Registrations

  • Auto Registrations in MO [8]
    • Registered Cars: 2,440,765
    • Registered Trucks: 2,572,195
    • Registered Motorcycles: 140,947
    • Total Registrations: 5,169,994
    • Rank: Missouri ranked 18th in the United States in total auto registrations in 2011.

Additional information about Missouri

About Missouri

Missouri has a population of approximately 5,988,927, which ranks 18th in the U.S. among all states. [6]

MO Car Insurance

More about Missouri auto insurance

For more information about auto insurance in MO, or for additional resources regarding Missouri car insurance, visit the Missouri Department of Insurance.

Did you know?

Only three states (Arizona, Montana, and South Carolina) do not have any ban in place on texting while driving.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Missouri Cities