State Requirements
Missouri requires that drivers have bodily injury liability coverage of at least $25,000 per person and $50,000 per accident, and property damage liability coverage of at least $10,000 per accident.
Missouri requires uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
Basic Liability Coverage
If you want to legally drive in the State of Missouri or any other state, you will need to have basic liability coverage. Liability insurance provides for the other party if you are at fault for an accident that causes bodily injury and/or property damage. It's a good idea to get more coverage than the minimum, though, because accidents are often far more expensive than that.
Comprehensive and Collision Coverage
Since basic liability insurance only covers repairs to the other vehicle after a collision, most drivers opt for additional coverage above and beyond liability. Collision coverage will take care of your own vehicle repair costs and rental car charges if you are involved in an accident, and with a comprehensive policy, you're also covered for windshield damage, vandalism, theft, and fire. Even if you're looking for a low monthly payment, you can still add comprehensive and collision coverage to your policy if you choose a higher deductible. Acceptance has you covered.
Uninsured Motorist Coverage
This is another required type of Missouri auto insurance that you will need to add to your policy to legally drive in this state. Although uninsured motorist coverage isn't required in every state, it's always a good idea to have, because it will cover you even if an uninsured driver hits your car.