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Consumer Shopping Guide for Auto Insurance
This guide is designed to assist Missouri consumers in buying auto insurance. The companies included have the largest market share for such business, but many other insurers also offer automobile coverage.
Missouri law requires all auto owners to carry liability limits of $25,000 per person for bodily injury, $50,000 for bodily injury per accident and $10,000 for property damage per accident.. The law also requires uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Many persons also buy optional collision or comprehensive coverage that would repair or replace their auto if damaged or stolen.
Many insurance companies offer discount plans for auto insurance. Check out our Auto Insurance Discount Guide.
Types of drivers
| Coverage | Preferred | Standard | Non-Standard |
|---|---|---|---|
| Liability Limits: | $100,000/$300,000 | $50,000/$100,000 | $25,000/$50,000 |
| Property Limits: | $50,000 | $50,000 | $10,000 |
| Physical Damage Deductible: | $250 Comprehensive $500 Collision |
$250 Comprehensive $500 Collision |
No Coverage |
| Medical Payments Coverage: | $1000 | $1000 | $1000 |
| Vehicle: | 2002 Lexus ES 300 | 2000 Hyundai Tiburon | 1995 GMC Safari Van |
| Moving Violations | None | One | One speeding ticket, two chargeable accidents |
| Comments: | Preferred drivers get the best rates. | The non-standard driver has a worse than average driving record and typically carries just the liability coverage of 25/50/10 required by law. |
Auto Rate Guides
| St Louis City Area | St Louis Suburbs | Kansas City Area |
|---|---|---|
| 63104 63108 63116 63133 |
63010 (Arnold) 63011 (Manchester) 63026 (Fenton) 63034 (Florissant) 63088 (Valley Park) 63114 (Overland) 63122 (Kirkwood) 63129 (Oakville) 63301 (St. Charles) 63366 (O'Fallon) 63385 (Wentzville) |
64015 (Blue
Springs) 64030 (Grandview) 64052 (Independence) 64068 (Liberty) 64079 (Platte City) 64108 (Kansas City) 64118 (Kansas City) 64123 (Kansas City) 64130 (Kansas City) 64138 (Kansas City) |
| Northern Missouri Area | Mid-State Missouri Area | Southern Missouri Area |
| 63401 (Hannibal) 63558 (New Cambria) 64494 (Union Star) 64501 (St. Joseph) 65270 (Moberly) |
63440 (Ewing) 65065 (Osage Beach) 65101(Jefferson City) 65203(Columbia) 65264 (Martinsburg) 65301 (Sedalia) 65559 (St. James) 65591 (Montreal) |
63664 (Potosi) 63701 (Cape Girardeau) 63833 (Catron) 63957 (Piedmont) 64772 (Nevada) 64804 (Joplin) 64836 (Carthage) 64874 (Wheaton) 65616 (Branson) 65738 (Republic) 65775 (West Plains) 65807(Springfield) |