Auto Policies

Have you ever had time to sit down and thoroughly read a auto insurance policy before buying one? Our department now gives you that chance. As an informational resource, our department is offering consumers who are shopping for auto insurance free, downloadable copies of auto policies and mandatory endorsements offered by a number of auto insurance companies in Missouri. The policies and endorsements of the companies listed below make up a large percentage of the market share for auto insurance coverage in the state. Consumers are encouraged to use this information as one of the many tools when shopping for auto insurance.

These companies listed below are in the order of their market share in Missouri, using the latest data from the department's Market Share Report. The market share of the companies listed is in parentheses. Click on the (+) icon or the company's name to view information about the company and their policies and/or endorsements.

Important information - please read carefully

  • The policy forms and endorsements displayed on this page are the most current available to the Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP).
  • Insurance companies frequently make changes to their policies. If you have questions about your current coverage, you should call your agent or insurance company. Your policy may be different than those shown here.
  • Policy endorsements can expand, restrict or change the terms of an insurance policy. They should be reviewed together with the policy form.
  • Not all policy forms shown on this page will be available to you. This page contains standard policy forms as well as policy endorsements that may be required by the insurance company. The company may have other policy endorsements that are not shown here.
  • The policy forms shown on this page are for reference only and provide no guarantees of coverage. The content of your insurance policy, which includes any and all endorsements to your policy, determines coverage.
  • There is no such thing as "full coverage" when it comes to insurance. Every insurance policy contains "exclusions" which are things that won't be covered by the policy. Make sure you read the exclusions carefully to understand what won't be covered. Ask your agent if you have questions.
  • Many insurance companies offer optional coverages that can be purchased. It may cost you more up front, but buying additional coverage will also provide you with greater protection. Optional coverages are not shown here, so ask your agent what optional coverage(s) are available.
  • DIFP does not endorse, recommend, advertise or comment on the quality of any particular company's product. You should shop around to find companies and policies that best suit your insurance needs.
  • Always read your insurance policy carefully. If you have any questions, ask your agent or company representative for additional information.

State Farm Mutual Automobile Insurance Company (21.88%)

American Family Mutual Insurance Company (12.68%)

Shelter Mutual Insurance Company (5.36%)

  • Company information
  • Shelter Insurance has declined to participate in this important consumer initiative.
    However, in an effort to provide Missouri consumers with access to important insurance coverage documents, the Department is making available the most current policy form filing submitted by Shelter Mutual Insurance Company. These policy forms were filed as required by Section 375.920 RSMo. and were effective July 24, 2011.
  • Policy

Farmers Insurance Company, Inc. (5.27%)

Automobile Club Inter-Insurance Exchange (5.21%)

Safeco Insurance Company of Illinois (4.35%)

Geico Casualty Company (3.44%)

Progressive Casualty Insurance Company (2.95%)

Farm Bureau Town & Country Insurance Company of Missouri (2.12%)

Progressive Advanced Insurance Company (1.98%)

Allied Property & Casualty Insurance Company (1.95%)

State Farm Fire and Casualty Company (1.74%)

Allstate Fire and Casualty Insurance Company (1.65%)

Geico General Insurance Company (1.49%)

USAA - United Services Automobile Association (1.44%)

American Standard Insurance Company of Wisconsin (1.22%)

Travelers Home and Marine Insurance Company (1.17%)

USAA Casualty Insurance Company (0.96%)

Progressive Preferred Insurance Company (0.86%)

Liberty Mutual Fire Insurance Company (0.81%)

Allstate Insurance Company (0.67%)

Progressive Direct Insurance Company (0.66%)

Progressive Northwestern Insurance Company (0.65%)

Nationwide Affinity Insurance Company of America (0.61%)

Allstate Property and Casualty Insurance Company (0.54%)

21st Century Centennial Insurance Company (0.47%)

Allstate Indemnity Company (0.15%)