get a missouri car insurance quote from esurance

or call 1-800-378-7262

(24 hours a day, 7 days a week)

missouri car insurance that’s right for you, not someone sorta like you

We know the Show Me State doesn't like to beat around the bush — that's why Esurance offers a streamlined, technology-driven, and customer-oriented approach to car insurance, and has since 2003.

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 policy management at your fingertips, 24/7 customer service, and a ton of online features and technology designed to save you time and money, we think Missouri residents will feel right at home with Esurance. Get your personalized Missouri car insurance quote in just a few minutes.

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
  • Multi-Policy discount

Discounts are subject to eligibility. 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 could 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 incident
  • $10,000 property damage liability coverage per incident
  • $25,000/$50,000 uninsured motorist bodily injury coverage per person/per incident

Optional coverages

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

  • Comprehensive (includes glass)
  • Collision
  • Customized parts and equipment
  • Emergency Roadside Service
  • Loan/lease gap
  • Medical payments
  • CarMatch Rental Coverage®
  • Underinsured motorist bodily injury

Not sure what some of these mean to you? Let Esurance's CoverageMyWay™ go to work by prioritizing coverage options when you get your free personalized quote.

e-star® car repair shops in your state

Esurance customers who have Missouri car insurance can bring their cars to shops in our E-star network and take advantage of RepairView® and guaranteed repairs for the entire time they own their vehicles.

Find a repair shop near you.

how your missouri car insurance rates may be determined

The following could affect your car insurance rates in Missouri:

  • Coverages you choose
  • The deductibles and limits you select
  • Where the car is parked or garaged
  • Your car's year, make, and model
  • Your age, gender, and marital status
  • Your credit-based insurance score
  • Driving record and claims history
  • Missouri car insurance discounts you may qualify for

insurance info for drivers

Uninsured drivers in Missouri

According to the Insurance Research Council, 13.5 percent of Missouri drivers were uninsured in 2012. That's higher than the national average of 12.6 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 could result in a suspended drivers license or license plate as well as a fine. Penalties increase for each subsequent conviction.

Esurance customers in Missouri can download our super convenient mobile app and enjoy constant 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 many instances.

Related links

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

8 car insurance discounts that could save you cash
See which ones you qualify for when you get your personalized coverage quote.

Wonder if you could be saving on car insurance?

get your free quote online

or call 1-800-378-7262