East Coast Auto Insurance offers top rated Missouri auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
Missouri state law requires all automobile owners establish financial responsibility, should they be found to be ‘at fault’ in an accident.
Proof of responsibility can be established by purchasing a liability insurance policy, or depositing the amount of $60,000 with the Department of Revenue, or a real estate bond registered with the state also in the amount of $60,000.
Should you opt to purchase a liability insurance policy, the state requires the following minimums:
- $25,000 bodily injury for one person, per accident
- $50,000 bodily injury for two or more persons, per accident
- $10,000 property damage
Should you be found to be ‘at fault’ in an automobile accident, the minimum requirements may not be sufficient to protect you and your family, especially if any lawsuits follow.
In the state of Missouri, driving while under the influence, your license will be suspended for a mandatory 30 days. Even worse, you could end up spending 12 five years of your life behind bars, for multiple offenses. Multiple offenses also carry mandatory interlock, and enrollment in a substance abuse program. In the state of Missouri is illegal to drive while under the influence of any controlled substance. Even trace amounts could result in a DUI conviction.
In the state of Missouri, 250 people lose their lives in car accidents involving teen drivers each year, making Missouri the 10th deadliest state for teen car crashes. According to the American Automobile Association (AAA), young Missouri drivers between the ages of 16-20 are driving in nearly 28% of all traffic crashes involving injury and 22% of all fatal crashes each year. This age group currently represents only 7% of Missouri drivers.
Is the state a No Fault or Tort state? What does either mean to the policy owner?
The state of Missouri follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at-fault person’s insurance company. Because Missouri is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.
What is the average auto insurance premium in this state? As of what year?
As of 2006, Missouri resident’s average insurance premium was approximately $673, the 36th most expensive in the nation. This was down 1.8% from the previous year. The national average was $817.
At East Coast Auto, our trained professionals will review your needs and financial status; recommend appropriate coverage to fully insure you and your assets in case of an accident. We’ll be able to provide quotes for personal injury, uninsured/underinsured motorists, comprehensive and collision – all at very affordable rates
Call us now: 888-206-0565
Insurance coverage will be placed only with top rated companies such as
- 21st Century
- AAA
- AARP
- Allstate
- Esurance
- Geico
- Liberty Mutual
- Nationwide
- Progressive
- State Farm
- Travelers