Missouri
Auto Insurance Coverages
Whether you live in St. Louis, Jefferson City, Springfield or Columbia, with so many companies offering auto insurance in Missouri, how do you know what car insurance is right for you? Allstate offers a variety of auto insurance policies, optional insurance coverages and many other products available in Missouri. As your auto insurance needs change, you local Allstate agent can work with you to help you make the right choices. If you have a teen driver, there are other considerations such as Missouri's Graduated Driver Licensing laws (see chart below).
For more information on this state, visit the Missouri State Information or Missouri State Catastrophe page.
Missouri Auto Insurance Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Missouri has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Missouri-required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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100,000/300,000
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Property Damage Liability
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10,000
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50,000
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Uninsured Motorist Bodily Injury
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25,000/50,000
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25,000/50,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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250 deductible
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Underinsured Motorist Bodily Injury
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Not required
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50,000/100,000
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Missouri Graduated Driver Licensing
Help keep your teen driver safe on the road by reviewing the Missouri Graduated Driver Licensing (GDL) laws with them. Missouri has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.
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Insurance Institute for Highway Safety Rating
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Good
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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Minimum Exit Age
(Optimal: 18)
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17 years, 11 mo.
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Illinois, Tennessee, Kansas, Arkansas, Iowa, Nebraska
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Missouri. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.