Missouri Car Insurance

Missouri Car Insurance

Missouri is home to 5,988,927 inhabitants (2010).  The Show Me State covers nearly 69,000 square miles, and its largest city is Kansas City (2010).  Missouri is the site of Mark Twain National Forest, the Gateway Arch in St. Louis and a portion of the Mississippi River.  Residents of Missouri traveling on Interstate 44, I-35 or Route 63 need quality car insurance in case of an accident.

Auto theft is a problem in Missouri with a ranking of tenth worst state.

On average, Missouri residents spend just over 23 minutes traveling to work each day (2010).  Nationwide, one in seven drivers do not have car insurance (2009), and in Missouri, 14% of motorists are uninsured (2009).  For Missourians commuting to their jobs, traveling across the state, or cruising around their own cities, if they have proper auto insurance in place at the time of property damage or a collision, they can avoid most out-of-pocket expenses for vehicle repairs and other more serious ramifications of driving without insurance.  An experienced independent insurance agent will help them choose coverage.

Key Statistics According to the Insurance Information Institute and the National Highway Safety Administration:

Uninsured Motorists

Nationwide: 12.6% (2012)

Missouri: 13.5% ((2012)

Insurance Coverage Requirements:

Bodily Injury Liability

Property Damage Liability

Uninsured Motorist

Motorists are required to carry a minimum of $50,000 for all persons injured in an accident, with a maximum of $25,000 per person. They are also required to carry $10,000 for property damage. If you’ve had a major medical experience lately, or know someone who has spent several days in a hospital you probably realize how low these limits are compared to the reality of hospital care costs. A more common limit for Missouri drivers is $100,000 per person, $300,000 per accident bodily injury and $100,000 per accident property damage. Many consider an umbrella with an additional $1,000,000 in limits available.

Average Car Insurance Premium

The Insurance Institute uses an “average person” to establish an average rate for an average car. This figure is only good for comparison as so many factors go into establishing an auto rate.

National Average Cost Per Year: $841 (2013)

Missouri Cost Per Year: $704 (2013)

Crash Statistics

Fatalities: 766 (2014)

Alcohol Impaired Driver Fatalities: 204 (2014)

Fatalities per 100 million miles driven (MO): 1.09 (2013)

Fatalities per 100 million miles driven (Nationwide): 1.09 (2013)

By reaching out to a local independent insurance agent, residents of Missouri will receive personalized advice and assistance in selecting adequate auto insurance to safeguard their vehicles.  In meeting with an independent insurance agent, they can review the kinds of coverage available in Missouri and get answers to their questions about purchasing a policy.  With car insurance through an independent insurance agent, Missourians can know that while driving from Springfield to Kirksville, or Columbia to Kansas City, their vehicles are secure.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.