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missouri car insurance

Good news: Esurance offers car insurance to Missouri drivers (and has since 2003). We know the Show Me State doesn't like to beat around the bush — that's why we at Esurance offer a jargon-free, customer-friendly approach to car insurance.

Helpful tools like our What If® Calculator peel back the industry curtain and shows you (in plain numbers) how your Missouri car insurance rates can be affected by claims or policy changes. And our many Missouri car insurance discounts bring easy savings you don't have to strain to find.

With such simple policy management and affordable rates, it's no wonder we're backed by Allstate, a long-time industry leader. So if you want to go with a modern car insurance company you can depend on, start your Missouri car insurance quote today.

Missouri car insurance discounts

From Kansas City to St. Louis and everywhere in between, drivers can save big on Missouri auto insurance when they buy a policy from Esurance. Check out the discounts we offer our new customers:

  • Claim-Free discount
  • Fast 5® discount
  • Good Student discount
  • Homeowners discount
  • Switch & Save® discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Anti-Theft discount
  • DriveSense™ discount
  • Multi-Policy discount

Discounts are subject to eligibilty. If you're a current Esurance customer and have questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Our Missouri Renters Plus® discount*

Renters insurance can protect your valuables from fire or theft. And with our Renters Plus discount, you can save by adding renters coverage to your car insurance policy.

Car insurance coverages in Missouri

Required coverages

Here are the minimum coverages drivers are required to maintain on their Missouri auto insurance policies:

  • $25,000/$50,000 bodily injury liability coverage per person/per accident
  • $10,000 property damage liability coverage per accident
  • $25,000/$50,000 uninsured motorist bodily injury coverage per person/per accident

Optional coverages

When you get your Missouri quote, you'll also have the opportunity to add these optional coverages:

  • Comprehensive (including glass) coverage
  • Collision coverage
  • Customized parts and equipment coverage
  • Emergency roadside service coverage
  • Loan/lease gap coverage
  • Medical payments coverage
  • CarMatch Rental Coverage®
  • Underinsured motorist bodily injury coverage

E-star® car repair shops in Missouri

Esurance customers who have Missouri car insurance can bring their cars to shops in Esurance's E-star network can take advantage of RepairView® and guaranteed repairs.

Find a repair shop near you.

How your Missouri car insurance rates may be determined

The following can affect your car insurance rates in Missouri:

  • Coverage selections
  • The deductibles and limits you select
  • Where the car is actually garaged
  • Your car's year, make, and model
  • Your age, gender, and marital status
  • Insurance scored based on credit and other factors
  • Driving record and claims history
  • Missouri car insurance discounts you may qualify for

Insurance info for drivers

Uninsured drivers in Missouri

Fourteen percent of Missouri drivers were uninsured in 2009, according to a 2011 report from the Insurance Research Council. That's right around the national average of 13.8 percent.

Uninsured motorist bodily injury coverage is required to help protect you after an accident involving an uninsured driver.

No proof of insurance

Keep your proof of Missouri auto insurance in your vehicle at all times. Failure to provide your auto insurance ID card to a police officer may result in a ticket.

Lacking coverage altogether will result in a suspended drivers license or license plate and a fine. Penalties increase for each subsequent conviction.

Esurance customers in Missouri can download our super convenient mobile app and enjoy access to auto insurance ID cards, just in case you get pulled over or need to provide proof of your coverage. Show-Me State law permits digital ID cards on your phone, tablet, or other smart device as legitimate proof of insurance in almost any instance.

Related links

How buying a home impacts car insurance
Learn what adjustments to make to your auto policy when you move into new digs.

The Esurance Coverage Counselor®
Spend a few minutes here for customized coverage recommendations.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262