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Home Insurance and Car Insurance in Missouri
As a homebuyer and auto insurance customer in Missouri, the process of shopping for and purchasing insurance to protect your investment and property may feel like a complicated process—but it doesn’t have to be! Whether you’re seeking out more affordable insurance rates or you need to buy insurance for the first time, finding coverage has never been easier with the help of SelectQuote.Bundle your home and auto insurance coverage to maximize your savings and simplify your purchasing decision. We can help you get started and compare quotes in Missouri today!Homeowners Insurance in Missouri
Buying home insurance is one of the best ways to protect your Missouri home in the event of a catastrophe. Homeowners insurance can also help deal with incidental damage due to storms, fire, theft and the accidental baseball through a window.Just because you don’t think an accident or disaster can happen to your home doesn’t mean it won’t.Buying home insurance is the only way to help pay for repairs and replacement, and choosing the right insurance company can help you quickly get back to normal.
Homeowners Insurance Coverage Options in Missouri
Missouri sits right in the center of the Midwest. Its location means that residents of the state get to experience all four seasons, which means snow, thunderstorms, hot summer temperatures and the occasional flash flood due to heavy rains. That’s why it’s important to buy home insurance that covers all sorts of perils—often explicitly named in the policy documents—and to understand exactly what kind of coverage you’re paying for.Missouri home insurance policies are required to cover several different types of damage, although your specific policy details will determine when and how much you can expect to receive when making a claim.Actual cash value policies will pay the current value of the damaged part of your home, taking age and condition of the home prior to the claim into consideration. Full replacement value policies do not take depreciation into account and will therefore pay what it would cost to completely rebuild your home, regardless of construction material or labor costs.Common types of home insurance coverage in Missouri include:- Dwelling coverage, which pays for damage to the structure of your home. Dwelling coverage often includes walls, windows, doors and the roof. In some cases, additional roof coverage may be required.
- Personal property coverage is insurance that pays for repair or replacement of property in and around your home. Property covered under this policy usually includes clothing, tools, electronics, appliances and jewelry. In many cases, property coverage extends to items that are in your vehicle when they’re stolen or damaged. For particularly expensive goods such as antiques or rare jewelry, additional insurance coverage may be required.
- Liability coverage pays for damage to others’ property or medical bills in the event of an injury that occurs on your property. It can also safeguard you from lawsuits filed as a result of this damage or injury.
Common Causes of Loss in Missouri
Because Missouri is in the Midwest, it often sees perils related to seasonal damage due to storms. Thunderstorms and tornadoes in the late spring and summer are responsible for many home insurance claims.Snow and ice damage in the winter can bring their own types of damages and challenges. Wind and hail damage have been a source of continued premium increases and insurance claims for Missouri homeowners over the past 20 years.1 In fact, wind and hail damage far outstripped all other filed home insurance claims in 2022, with losses in that category totaling nearly $500,000,000.2Additional Coverage Options Recommended for Missouri Homeowners
While most forms of storm damage are covered by home insurance policies, some experts advocate purchasing additional coverage for a broader range of protection. This additional insurance can include, but isn’t limited to:- Flood insurance is rarely included in a typical homeowners insurance policy. Instead, you may purchase separate flood insurance either through your insurance company or as part of the National Flood Insurance Program (NFIP) backed by the federal government.
- Replacement cost coverage can ensure that your insurance claim doesn’t include a deducted reimbursement and that your payout can be used to purchase new versions of the lost goods or property.
- Identity theft coverage is an increasingly popular type of insurance coverage that can help offset the costs of recovering your identity in the event of fraud.
- Water backup coverage can help protect you in the event of a sewer line clog or backup. Water damage is an expensive problem to solve, and most homeowners insurance policies’ protections stop where your water line meets the sewer.
- Mobile home insurance differs from traditional home insurance because mobile homes are often at a significantly higher risk for damage due to storms, fire and theft.
Our Home Insurance Partners in Missouri
SelectQuote works with home and auto insurance companies to provide affordable, accessible insurance coverage to Missouri home and auto customers. Our insurance partners are some of the most trusted, nationally recognized brands in the field. We partner with these companies and can compare all of their rates at once to provide you with a variety of coverage options at prices you can afford.What is the average home insurance cost in Missouri?
According to the Missouri Department of Insurance, home insurance rates in Missouri have continued to rise over the past 20 years. Both nominal and inflation-adjusted rates have increased by several hundred dollars. Where premiums in 1998 (adjusted for inflation) were around $680, the average annual home insurance premium in Missouri as of June 2023 is $2,735.3 The average home insurance cost in Missouri for SelectQuote customers is an average of $157.09 per month.+Homeowners Insurance Discounts in Missouri
Missouri homeowners can save on their insurance premiums by asking about available discounts. It’s possible to cut insurance premiums significantly by:- Increasing your deductible
- Not filing claims over a significant period of time, usually five years or longer
- Sticking with the same insurance company for several years and getting a customer loyalty discount
- Installing a home security system, deadbolts and other theft prevention measures
- Bundling your homeowners and auto insurance coverage together
Bundle Your Home and Auto Insurance to Save Money
One of the best ways to save on your home and auto insurance is to bundle these policies together under the same insurance company. Many companies offer significant savings—an average of $693 per year for SelectQuote customers—to those who choose to bundle their insurance coverage. SelectQuote can compare bundled rates from several insurance companies at once to help you find the best deal.Average Home and Auto Insurance Rates in Missouri
Rates listed below reference the average home, auto and bundled insurance rates for Missouri customers in several cities. Your rates will vary based on location, age/condition of your home or vehicle, credit score and several other factors.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Florissant | $180.90 | $249.49 | $269.03 |
| Independence | $150.97 | $136.84 | $248.71 |
| Kansas City | $175.53 | $161.10 | $315.27 |
| Lee's Summit | $187.56 | $235.37 | $312.80 |
| St. Louis | $186.79 | $142.19 | $336.92 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in Missouri
When shopping for auto insurance in Missouri, the difference between a good and bad policy can’t just be boiled down to price and coverage. Different types of insurance coverage provide protection for distinct losses and claims, and knowing exactly what your insurance policy covers can help you avoid headaches. Whether you’re seeking affordable minimum coverage or a full coverage policy that offers maximum protection, SelectQuote can help you compare prices from several insurance carriers at once.Missouri Auto Insurance Laws and Requirements
Missouri state law requires that drivers carry a minimum standard of insurance called liability coverage. But it’s not the only kind of insurance you can (or should) purchase. Available types of auto insurance coverage that you can buy in Missouri include:- Bodily injury liability insurance coverage pays for costs related to injuries to drivers of other vehicles that may be involved in a crash for which you are found to be at fault. Missouri requires that all drivers carry minimum acceptable coverage, which includes $25,000 per person and $50,000 per accident. Note that this minimum coverage may not pay for all costs associated with an accident, and in some cases it may be recommended that you purchase more coverage.
- Property damage liability coverage pays for damages to other drivers’ property as a result of an accident for which you’re found to be at fault. Missouri requires drivers to carry a minimum of $25,000 per accident.
- Uninsured motorist coverage pays for medical bills and funeral costs related to injuries in which you are involved in a collision with a driver who has either no auto insurance or insufficient insurance. Drivers in Missouri are required to carry at least $25,000 per bodily injury per person and $50,000 per accident.
- Comprehensive coverage pays for losses related to accidents involving animals or for damage to your vehicle from storms, fire, fallen objects and theft.
- Collision coverage pays for damages to your vehicle due to collisions with another vehicle or an object such as a guardrail, building or structure, regardless of who is found at fault.
- Medical payments coverage can help pay for medical or funeral expenses if you or your passengers are hurt in an accident.
- Underinsured motorist coverage helps cover your medical expenses if the other driver is at fault and doesn’t have enough insurance.
- Gap insurance pays the difference between what you currently owe on your vehicle and what it’s currently worth.
| Type of Coverage | Amount Required |
| Bodily injury liability coverage |
|
| Uninsured/underinsured motorist coverage |
|
| Collision coverage | Not required |
| Comprehensive coverage | Not required |
| Medical expense coverage | Not required |
| Loss of income benefits coverage | Not required |
| Rental coverage | Not required |
| Towing coverage | Not required |
Missouri Teen Driving Laws
Like several other states, Missouri requires teen drivers to obtain a graduated driver license that comes with different responsibilities and requirements.4 All first-time drivers between 15 and 18 years of age must complete periods of instructed driving and restricted driving prior to getting their full license. Teen drivers are subject to rules related to acceptable passengers, curfews and limitations on the use of mobile phones and other communication devices inside the car.Missouri Car Registration Information
Vehicle registration in Missouri requires drivers to provide proof of insurance as well as vehicle ownership, including title paperwork. You’ll also need to show proof of a Missouri safety inspection not more than 60 days old. Failure to provide proof of minimum legal insurance could result in denial of vehicle registration as well as revocation of driving privileges.What is the average car insurance cost in Missouri?
Average car insurance rates in Missouri will differ based on several factors, including but not limited to:- Age
- Driving history
- Credit rating
- Type of vehicle being insured
- Vehicle usage and annual miles driven
- Location
Our Car Insurance Partners in Missouri
SelectQuote can help you connect with some of the most trusted auto insurance companies in the country. We partner with these insurance carriers to offer Missouri homeowners and drivers competitive rates and discounts for all types of motor vehicle insurance coverage.Missouri Home and Auto Insurance Frequently Asked Questions
While everyone’s home and auto insurance needs are different, there are a few questions that we get asked repeatedly about Missouri insurance coverage. Some of the most common inquiries can be found below.How do I shop for insurance in Missouri?
Whether you’re a first time insurance customer looking for coverage for your home or auto insurance needs or you want a better rate on your policy, it’s easy to shop for insurance—especially with SelectQuote. To save money on both types of insurance, you should:
- Determine the level of coverage you need
- Compare quotes from several companies at one time
- Ask about applicable discounts
How do I shop for home insurance in Missouri?
Before you sit down to purchase a Missouri homeowners policy, determine how much coverage you need:- Factor in the value of your home and its belongings; land is less of a priority.
- Compare information from several companies at once. Don’t focus exclusively on price.
- Pay attention to listed perils on potential policies and make sure to ask about any applicable discounts—including those for bundling home and auto policies.
How do I shop for auto insurance in Missouri?
Shopping for auto insurance is just like home insurance:- Determine the coverage you need. You may need to buy more than the legal minimum based on requirements from your auto lender.
- Compare rates and coverage limits from several different companies. The lowest price may not provide the best value.
- Ask for available discounts, including safe driving and policy bundle deals.
Is Missouri a no-fault auto insurance state?
Missouri is a fault state for auto accident claims. This means that the driver responsible for causing an accident must pay for damages. Multiple parties can be found to be at fault, however, and the degree of liability determines the proportion of settled claims they’re responsible for.
Is home and auto insurance required in Missouri?
Home insurance isn’t required in the state of Missouri, but it’s still a good idea to purchase it for financial protection. Auto insurance coverage is required for all drivers.
What is Missouri’s state minimum for auto insurance coverage?
Missouri requires all drivers to carry minimum insurance coverage as follows:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
- $25,000 in uninsured motorist coverage for bodily injuries
- $50,000 for bodily injuries caused by uninsured motorists
SelectQuote Can Shop Missouri Home or Auto Insurance to Help Save You Time and Money
If this is the first time you’re shopping for auto and home insurance coverage, we know you probably have questions about coverage needs, costs and what to look for. SelectQuote can help! We’re proud to work with several national insurance companies to provide Missouri homeowners and drivers with coverage options that work for them.Sources
- https://insurance.mo.gov
- https://insurance.mo.gov
- https://www.nerdwallet.com/article/insurance/average-homeowners-insurance-cost
- https://dor.mo.gov
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