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Missouri Auto Insurance

Driving in the Show Me State

Getting around Missouri has come a long way since riverboats and dugout canoes were the main form of transportation on the state’s rivers and tributaries. Or since pioneers were last seen heading west for the Great Plains in their covered wagons. Today all Missouri registered motor vehicles are required to have auto liability insurance coverage. If you’re driving to the game in St. Louis, picking up barbecue supplies in Kansas City or on U.S. Route 65 from Springfield to Branson, make sure you’re covered with at least the minimum requirements for car insurance in Missouri. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Missouri auto insurance quote today.

Missouri Car Insurance Laws

Car Insurance in Missouri

Is car insurance required in Missouri? Yes.
All registered motor vehicles in Missouri must:

  • Be covered by at least the minimum liability levels
  • Be covered for uninsured motorists

All Missouri vehicle owners must:

  • Keep proof of insurance in their vehicle at all times

All Missouri drivers must:

  • Be able to show proof of insurance

To learn more about Missouri car insurance rates, get your Missouri car insurance quote today.

Missouri Minimum Auto Insurance Requirements

What is the minimum car insurance coverage in Missouri?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Missouri Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Insurance in Missouri

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Missouri drivers must be able to show evidence that they’re insured if asked to do so by a law enforcement officer.

Also, all car insurance companies in Missouri are required to report active insurance policies to the Missouri Department of Revenue on a monthly basis.

Is proof of insurance required in Missouri?
Yes. Proof of insurance in Missouri is required for:

  • Vehicle registration
  • Renewing license plates
  • Traffic stops

Is electronic proof of insurance accepted in Missouri?
Yes.


What is electronic proof of insurance?

Electronic proof of insurance allows Missouri drivers to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

Proof of Financial Responsibility in Missouri

What is proof of financial responsibility?

It’s evidence that you have the have the ability to pay for potential damages caused by your car.

Is Proof of Financial Responsibility Required in Missouri?

Yes. There are several ways to establish financial responsibility with the Missouri Department of Revenue. The most common and easiest way is to buy Missouri auto liability insurance.

Missouri Auto Insurance Choices

Safeco Essential

With standard coverage that meets Missouri minimum car insurance coverage requirements, Safeco Essential offers Missouri drivers an affordable blend of auto insurance coverage and value.

Safeco Enhanced

Offering more than standard coverage, Safeco Enhanced gives Missouri drivers the option to add more car insurance coverage options at a competitive price. Drivers who have been with Safeco for at least six years may also qualify for accident forgiveness.

Safeco Superior

With numerous built-in car insurance coverages like accident forgiveness, diminishing deductible, new car replacement and electronic lock and key replacement, Safeco Superior offers exceptional Missouri car insurance coverage with higher limits on some features.

Safeco Ultra

Our premium level of coverage and value, Safeco Ultra auto insurance adds more features and coverages beyond those of Safeco Superior such as Roadside Assistance and loan and lease coverage.

Missouri Auto Insurance Coverage Options

In addition to car insurance coverage required in Missouri and our popular auto insurance coverage options, Missouri drivers also have the option to choose:

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Missouri Auto Insurance Discounts

There are numerous ways to save and lower your Missouri car insurance rate. In addition to our popular car insurance discounts, Missouri drivers have even more opportunities to save.

More Than One Policy

Missourians who also have an active home, condominium or renters policy with Safeco may qualify for a multiple policy discount.

Keep a Clean Driving Record

Missouri drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Young Drivers in Missouri

Getting Your First Driver’s License in Missouri

Minimum age to get a driving instruction permit in Missouri: 15
Minimum age to get an intermediate license in Missouri: 16
Minimum age to get a full driver’s license in Missouri: 18

  • Drivers between the age of 15 and 18 must have parental consent and complete the Missouri graduated driver license process.
  • Intermediate licensed drivers between the age of 16 and 18 may not operate a motor vehicle between the hours of 1 a.m. and 5 a.m.

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 21 are prohibited from texting and driving in Missouri.

Road Trips and Scenic Drives in Missouri

Historic Route 66

U.S. Route 66 is the icon of the American road trip. Though most of the original highway no longer exists, you can still retrace the historic route across the entire state of Missouri, from St. Louis to Joplin.

Blue Buck Knob Scenic Byway

Experience the Ozark hill country with a drive through the Mark Twain National Forest. From the north get on state Highway 181 just south of Cabool then turn south on state Highway AP until it meets state Highway 14. Starting in the south, get on state Highway AP where it meets state Highway 14.

Things to Do in Missouri

Explore Meramec Caverns

Missouri native Jesse James and his brother allegedly used these caves in the 1870s to hide out from the law. Check out the stalactites and stalagmites in this extensive cave system just off Interstate 44 near Sullivan.

Visit Mark Twain National Forest

Made up of nine patches dispersed mostly throughout the southern part of the state, hundreds of miles of trails can be enjoyed by hikers, mountain bikers and horseback riders. There are also plenty of rivers and lakes for boating and fishing.

Fun Facts About Missouri

State nickname: Show Me State
Residents are called: Missourians
National monument: George Washington Carver
U.S. president born in Missouri: Harry S. Truman
Native author of Huckleberry and Tom: Mark Twain
First appearance of the ice cream cone: 1904 World's Fair in St. Louis, Mo.
Wild West outlaw born in Kearney Jesse James
MLB teams: St. Louis Cardinals, Kansas City Royals
NFL teams: St. Louis Rams, Kansas City Chiefs
NHL team: St. Louis Blues
Unique St. Louis appetizer: Toasted ravioli
Mo. to Calif horseback mail service: Pony Express
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506