Average Car Insurance Cost In Missouri Per Month

Introduction

If you own a car in Missouri, you need to have car insurance coverage. Missouri state law requires that all drivers carry liability coverage, and most drivers also choose to purchase additional coverage. The cost of car insurance in Missouri is affected by a number of factors, such as the age of the driver, the type of car, the driving record, and the amount of coverage purchased. The average cost of car insurance in Missouri per month can vary greatly depending on these factors.

Factors Affecting Car Insurance Cost In Missouri

The cost of car insurance in Missouri is affected by a variety of factors. The age of the driver is one of the biggest factors, with younger drivers generally paying higher premiums than older drivers. The type of car driven is also a factor, with more expensive cars usually costing more to insure. The driving record of the driver is also taken into consideration, with drivers with a history of moving violations or accidents paying higher premiums.

Liability Coverage

Liability coverage is required by state law in Missouri, and it is the minimum amount of coverage a driver must have. Liability coverage pays for damages to other people and property if the driver is at fault in an accident. The minimum amount of liability coverage in Missouri is 25/50/10, which means $25,000 for bodily injury for one person, $50,000 for bodily injury for all persons, and $10,000 for property damage.

Additional Coverage

In addition to liability coverage, many drivers in Missouri choose to purchase additional coverage. This includes uninsured/underinsured motorist coverage, which pays for damages to the driver’s car if the other driver is at fault and does not have insurance. Other types of coverage include comprehensive coverage, which pays for damages from non-accident related incidents, such as fire or theft, and collision coverage, which pays for damages to the driver’s car in the event of an accident.

Average Cost Of Car Insurance In Missouri Per Month

The average cost of car insurance in Missouri per month can vary greatly depending on the factors discussed above. For example, a driver with a clean driving record and a newer car could expect to pay a higher premium than a driver with an older car and a history of moving violations. The amount of coverage chosen also affects the premium, with additional coverage typically costing more than just the minimum liability coverage. On average, however, the cost of car insurance in Missouri per month is around $100, depending on the factors mentioned above.

Conclusion

In conclusion, the cost of car insurance in Missouri per month can vary greatly depending on a number of factors, such as the age of the driver, the type of car, and the amount of coverage purchased. On average, however, the cost of car insurance in Missouri per month is around $100. It is important to shop around and compare rates from different insurers in order to get the best rate.