Insurance in Missouri

Finding Affordable Missouri Insurance

If you live in Missouri, then you know how difficult it can be to find the best rates on insurance. The Missouri Department of Insurance has a list of companies that are licensed and approved to provide coverage in this state. However, they don't have access to all the information about these insurers because many do not report their rates publicly. This is where we come into play! We help Missourians find affordable rates from top-rated insurance providers so that they can get the protection they need for their family and business without breaking the bank.

Do You Need Insurance In Missouri?

Insurance in Missouri is one of the most competitive markets in the country. With so many companies to choose from, how do you know which insurer best fits your needs?

We'll help you find out! Follow our blog for helpful tips on buying insurance and how to make the right choice for your family.

Import your insurance for quote comparison today
Scan our QR code for quotes

Get Insurance Quotes

Types of Missouri Insurance

Home Insurance

Homeowner insurance for building and contents

Auto
Insurance

Personal and Commercial auto insurance

Life
Insurance

Protesting the loss of income or family legacy

Business Insurance

Commercial and business liability protection

Missouri Insurance can be complicated 

But, we hope that by following these posts, we can help you find what's best for you.

If you're a Missouri resident and looking for insurance, this blog post will give you step-by-step instructions on how to find the best rates. One of the first steps is to find out what type of insurance coverage you need.

After that, we'll show you where to go online or in person to get quotes from different companies. We'll also cover some other things like car registration requirements and more! So if you're interested in saving money on your monthly bills - read our article below!

Challenges for Missouri Insurance Buyers

Missouri insurance has some unique challenges with weather, flooding, and the potential for earthquakes. Insurance rates in Missouri are generally in the middle of the road but can differ depending on the insurance company. 

Credit is another factor used in Missouri like in most states along with prior insurance, coverage limits of the previous insurance companies for auto. Credit will influence all insurance, but prior claims can be the biggest setback when finding affordable insurance.

Because Insurance Brokers Group was founded in Missouri, we are very familiar with the unique challenges and have helped thousands of families and businesses find insurance that meets their needs and within their budget.

Insurance Brokers Group is a local brokerage representing many insurance companies for the best rates. We are here to help you find the perfect plan for your needs and budget. We can also provide quotes from other carriers if needed. Let us know how we can help! 314-569-1010 and speak with a Missouri licensed broker for quotes and advice today. 

Missouri car insurance quotes

How much does car insurance cost in Missouri?

Car insurance rates are different for everyone and depend on many factors including your driving record, the type of vehicle you drive, where you live in Missouri (urban or rural), how much coverage is required by law, and other variables. Insurance Brokers Group will provide a free quote so that our licensed brokers can best find an affordable rate for you! Contact us at 314-569-1010 to speak with someone about finding car insurance today.

Auto insurance premiums in Missouri

The average car insurance premium in Missouri is $1,244. To be more specific, the median for auto insurance premiums in Missouri is $946. This means that half of all drivers pay less than this amount while the other half pays more.

What factors influence how much I pay? The cost of your policy is determined by many variables such as the make and model of the vehicle chosen, age bracket (younger drivers are more expensive), geographical location within Missouri (urban vs rural) credit history, prior insurance claims, driving history, marital status and occupation.

Young Drivers and Car Insurance

Inexperienced or young drivers are more expensive to insure because research has shown that they are more likely to make insurance claims.

New, teenage, and young drivers account for most of the accidents claims in Missouri

Young drivers are three times more likely to be involved in a car accident

Missouri Minimum Coverage Car Insurance

Auto insurance coverage options: Missouri laws require minimum coverage if you own a vehicle. This is typically referred to as “liability insurance” which covers damages or injuries to another party's vehicle or person, but for your vehicle.

Minimum coverage is not enough to cover all types of injuries or damages

You may need more than minimum car insurance requirements to protect yourself financially but this is something you should discuss with your insurance agent when purchasing a policy.

Discussing these options now could save you money down the road if we need them later because of unforeseen circumstances such as accidents or theft.

Another consideration to keep in mind when you are looking for Missouri auto insurance is the cost of the deductible, which will affect how much you will pay for each claim.

Getting auto insurance quotes in Missouri

Missouri auto insurance quotes: getting Missouri auto insurance quotes from multiple companies can be helpful in finding the best coverage and rates for your situation.

Car insurance companies in Missouri: some of the top auto insurance companies in Missouri include Geico, Allstate, and State Farm.

Good News with Shopping for Car Insurance in Missouri!

Insurance Brokers Group is a leading insurance brokerage that can give quotes on Missouri auto insurance for people with good, fair, or poor credit.

Because not only is your driving record that affective rates but credit history.

Rates can vary greatly between insurance companies based on your credit.

What type of insurance do I need?

That depends.

You might want to consider reducing or eliminating comprehensive or collision coverage on older vehicles, which will also affect the cost of premiums. Although it is illegal to drive without car insurance in Missouri, this does not mean that you have adequate protection against financial loss.

Auto insurance rates in Missouri are affordable if you know where to look.

Knowing what you need is important when getting quotes so as not to miss anything or get too much unnecessary coverage.


Cheap Missouri Auto Insurance Quotes

Finding the best auto insurance rates in Missouri can be tough. Thankfully, Missouri insurance buyers have a resource to help them find the best coverage at the cheapest rates in town - InsuranceBrokersGroup.com

Missouri Car Insurance

Our service helps people in Missouri save money on auto insurance by providing customized quotes. It's simple and easy! We work with some of the largest insurance providers in Missouri to make sure you're getting the best coverage at a price that fits your budget.

Cheapest Car Insurance

InsuranceBrokersGroup.com was created by an insurance broker with more than 25 years of experience, so he knows what it takes to help people get access to affordable rates and policies for their individual needs.

Getting affordable coverage is important but more important is getting proper auto insurance coverage.

Missouri Drivers

Auto insurance is a necessity and the best thing you can do to protect yourself against financial loss in case of an accident. Missouri drivers need liability coverage and uninsured/underinsured motorist coverage, medical payments protection, car rental reimbursement-just to name a few coverages that are now required by law in some states.

Bodily injury liability coverage

The State of Missouri requires Missouri drivers to have bodily injury liability coverage, which pays the medical expenses and lost wages of those injured in an accident you caused. Missouri law requires that at least $25,000 of this type of insurance be carried for one person and $50,000 for two or more people.

Property Damage Liability Coverage

Having at least the basic car insurance policy which is required by all Missouri drivers, it's important to know what other coverages can be added.

Missouri drivers should have at least the minimum liability insurance coverage of 25/50/25 on their automobile, which consists of Bodily Injury Liability and Property Damage Liability combined; with limits of $25,000 for bodily injury per person plus $50,000 for all persons hurt in an accident, and $25,000 for property damage.

Comprehensive and Collision Coverage

Comprehensive Coverage pays for damage to your car from any cause other than a collision, such as fire or hail.

Collision Coverage is the coverage that will pay you and/or the insurance company for damages if you are in an accident with another driver.

Underinsured Motorist Protection (UIM)

Pays benefits if you're injured by someone who doesn't have enough insurance and whose policy limits are too low to cover all of your injuries. Missouri law requires UIM policies of up to $25,000 per person.

Underinsured motorist coverage

Underinsured motorist coverage is often called “UM”

Underinsured motorist coverage pays benefits if you're injured by someone who doesn't have enough insurance and whose policy limits are too low to cover all of your injuries. Missouri law requires UIM policies of up to $25,000 per person.

Medical Payments Protection

Another popular addition to Missouri automobile insurance policies are medical payments protection benefits, which provide additional income replacement should one cannot work because of injury sustained while driving your own vehicle as well as providing emergency medical services including doctor's visits-for you and members of your household who live with you all at no cost out-of-pocket. Limitations and coverage amounts for Med pay vary by insurance carrier and state.


Missouri Health Insurance

Health coverage is a vital consideration in Missouri. If you are looking for individual health insurance, it is important to compare the price and benefits of each plan carefully before choosing one.

The cost of your monthly premiums can vary widely depending on age or tobacco use and other factors that determine how much risk an insurance company can take with you as a customer.

If you have any pre-existing conditions, these may also increase your premium costs while reducing coverage limits -- so be sure to read the fine print!

Health Insurance Rates in Missouri

Health insurance rates in Missouri can vary depending on a number of factors, including the type and size of the employer.

For example, if you are employed by a small company with 50 or fewer employees (and no union), your rate will be lower than someone who works for an organization with 500 to 999 employees.

If health insurance is offered as part-time benefits only, some employers may not offer any coverage at all — even for full-time workers!

In such cases, it's common that spouses might purchase coverage through their own employment options or buy individual plans independently. You should note that there could be additional state surcharges when purchasing individually outside of one's place of work.

How do I get health insurance in Missouri?

Health insurance is an important part of life.

The Missouri Insurance Department is committed to helping you find health insurance that meets your needs and protecting vulnerable Missourians from fraud during the process.

Missouri now has a federally-facilitated Marketplace for Americans who need help to buy their own private insurance with tax credits, called Healthcare.gov (formerly HealthCare.gov). You can apply on this website without contacting any other government agencies or insurers first — it’s quick, easy, and free! Apply online today at: healthcare.gov/mo/apply/.

If you are looking for individual coverage outside of Healthcare.gov, then contact one of our licensed agents in order to evaluate which plan best suits your needs based on where you live.

Health insurance benefits

• Get the coverage you need to protect you and your family

• Compare Affordable health insurance plans in Missouri that will fit your needs

• Find an affordable plan for all of your medical, dental, vision, mental health care needs.


Below are some of the most important articles we've published on Missouri Insurance.  Learn how to find and buy the best policy for your needs.

Missouri Insurance articles

We've made it easy to learn about property insurance with these articles