Missouri drivers face unique challenges on the road that make auto insurance an essential investment. Key factors include: 

• Extreme Weather Conditions: Missouri's weather can be highly unpredictable, with severe thunderstorms, hail, and even tornadoes posing risks to drivers and their vehicles. 
• High Accident Rates: Heavily trafficked areas like Kansas City and St. Louis see significant accident rates, underscoring the need for reliable coverage. 
• Legal Liability Requirements: Car insurance ensures you're financially protected if you're at fault in an accident, covering damages and injuries that could otherwise lead to exorbitant out-of-pocket expenses. 

Missouri operates is an "at-fault" state, meaning the driver responsible for an accident is liable for covering resulting damages. The state requires minimum liability coverage, which includes: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of $25,000 per accident.  
• Uninsured Motorist (UM) Coverage: Coverage for your injuries if the other party doesn't have insurance. Limits reflect standard bodily injury liability. 
  • Underinsured Motorist Coverage (UIM) is additional coverage when the other party doesn’t have enough insurance for Missouri. Only offered for bodily injury. 

If you're the at fault driver, liability only applies to the other party. To ensure protection for yourself and your own vehicle, additional coverage options may be necessary. 

Customizing your policy allows you to safeguard yourself against a variety of risks. Missouri drivers may benefit from the following coverage options: 

• Medical Payments (MedPay): Helps with medical expenses for you and any passengers after an accident, regardless of who is at fault. Minimum $1,000 per person. 
• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 

Some drivers may have more unique circumstances, such as a highly customized car or people who don’t drive often and want pay-per-mile coverage. At Goosehead Insurance, we work with Missouri drivers to design a policy that offers peace of mind for any condition or circumstance. 

The cost of car insurance in Missouri isn't just what you've selected for coverage. Your premium depends on various other factors, including: 

• Driving History: A clean driving record can save you significantly. Accidents or violations, however, may raise premiums. 
• Age: Younger drivers, especially those under 25, often face higher premiums due to their higher statistical risk. 
• Vehicle Type: Luxury or newer cars typically come with higher insurance costs due to expensive repairs. 
• Location: Urban areas like St. Louis or Kansas City often have higher insurance rates due to increased traffic, accident frequency, and crime rates compared to rural areas. 

Missouri drivers can expect to pay an average of $700 annually for minimum liability coverage. Those with policies that have more coverage tend to cost an average of $2,600 annually. 

Keeping your car insurance affordable in Missouri doesn't mean sacrificing quality coverage. Here are some ways to save: 

• Bundle Policies: Combine your car insurance with a homeowners or renters insurance policy for multi-policy discounts. 
• Maintain a Clean Driving Record: Avoid accidents and traffic violations to qualify for lower rates. 
• Shop Around: At Goosehead Insurance, we compare top carriers to secure the best coverage and rates for you. 
• Ask About Discounts: Many providers offer discounts for good grades (for student drivers), anti-theft systems, safe driving habits, or opting for paperless billing. 

Goosehead Insurance is committed to helping Missouri drivers secure reliable, affordable, and tailored car insurance policies. Here's what sets us apart: 

• Access to Top Providers: We compare rates and policies from leading insurance companies to find the best fit for you. 
• Expert Advice: Our knowledgeable agents take the time to explain your options, so you feel confident in your choices. 
• Hassle-Free Process: From getting a quote to securing your policy, we simplify every step to save you time and stress. 
• Ongoing Support: Our team is always available to assist with questions, adjustments, or claims whenever you need us.