Missouri residents are required to have automobile insurance which meets minimum requirements as set by the Missouri Department of Motor Vehicles. Every driver must possess at least $25,000 in bodily injury coverage for injuries sustained to one person in the event of an accident; $50,000 in bodily injury liability for injuries sustained to more than one person in the event of an accident; $10,000 property damage coverage; $25,000 in uninsured motorist coverage for accidents in which one person is injured, and at least $50,000 in uninsured motorist coverage for accidents in which more than one person is injured. Not all states require uninsured motorist coverage, but drivers should feel fortunate that their state does. This type of coverage helps to protect you in the event that a driver without insurance (or under-insured) damages your car or you.

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Average Missouri Auto Insurance Rates

In Missouri, most good drivers will pay an average of $1,152 per year for their automobile insurance. This is quite a bit below the national average of $1,440. Despite the fact that most people will pay a reasonable amount for automobile insurance, it is still in your best interest to be selective as you choose an auto insurance company so that you will get the best deal. If you compare auto insurance companies you can end up paying well below the state average for your car insurance.

Your first step when trying to find auto insurance in Missouri should be to obtain a list of all licensed providers in your area. From this list, you can begin your research. Read up on each company listed, noting the policies it offers, its account management tools, and other information. It is also a good idea to read online car insurance reviews of each provider to see what other customers have thought about their experience with a particular provider. The information that you gather during the research process should help you to narrow down your list, marking off providers that do not seem up to par. When your list is sufficiently narrowed down, you can request free auto insurance quotes from the remaining companies. All that is left to do then is to compare these quotes for both price and the coverage options being offered to you.

Even after settling on a policy, however, be sure that you check frequently to make sure you are still getting the best deal possible. This is especially important if you go through a major life change, such as getting married or having children. Some auto insurance companies are better suited to individuals at different points in their life, and it’s important that you always stay on top of the game to get the best coverage at the best rate.

Missouri Teen Driving Laws

Missouri has set in place certain requirements and regulations pertaining to teenage drivers. If you are a young driver or if you have one on your policy, it is important that you or your child know these rules and abide by them. Not doing so can end up with you having to pay higher auto insurance rates and possibly being unable to secure affordable auto insurance.

All Missouri teens must be at least 15 years old and possess a valid learner’s permit in order to operate a motor vehicle. After at least six months of maintain a learner’s permit and reaching the age of 16, teen drivers in the state may test for their drivers’ licenses. However, to be eligible for a driver’s license, they must complete 40 hours of driving training, and ten of these hours must be at night.

When a license is first awarded, it will be considered a “restricted” license, meaning the driver does not have all of the privileges normally associated with a license. The driver cannot, for example, drive between the hours of 1 a.m. and 5 a.m. During the first six months of having a license, the driver may not carry more than one passenger under the age of nineteen. After six months, the driver may not carry any more than three passengers under the age of 19. In order to have these restrictions listed, even if the correct amount of time has passed, a driver must be at least seventeen years of age and eleven months. While the teen driving laws in Missouri may seem strict, they are only there to protect the driver.

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