(800) 253-1482Full Coverage Car Insurance in Missouri: 2025 Guide
Table of Contents:
- What Is Full Coverage Insurance in Missouri?
- What Does Full Coverage Include for Drivers in Missouri?
- How Much Does Full Coverage Cost in Missouri?
- Liability vs. Full Coverage: Which Do Drivers in Missouri Need?
- Compare Full Coverage Auto Insurance in Missouri
How you protect your vehicle and your finances matters more than ever. Risks persist on the road, in your driveway, your garage, and well, anywhere else your vehicle might be. Repair costs continue to rise, and that’s nothing compared to medical expenses. Full coverage auto insurance offers drivers in Missouri a chance to protect themselves for less. Our guide helps you determine how it all works, how to find coverage for less, and whether or not this protection is right for your needs.
What Is Full Coverage Insurance in Missouri?
“Full coverage” is an industry term rather than a single policy. In Missouri, it generally combines:
- Liability Insurance – required by state law ($25k/$50k/$10k minimums).
- Collision Coverage – repairs or replaces your vehicle after a crash, regardless of fault.
- Comprehensive Coverage – protects against theft, fire, vandalism, storms, or hitting an animal.
Together, these coverages protect both you and your vehicle. However, auto insurance in Missouri is customizable. To further personalize their coverage, many drivers also add:
- Medical Payments (MedPay) – Covers your own medical bills if you cause an accident.
- Uninsured/Underinsured Motorist (UM/UIM) – Coverage if you’re hit by someone without coverage, with too little coverage, or in hit-and-run situations.
What Does Full Coverage Include for Drivers in Missouri?
Missouri drivers with full coverage typically carry liability coverage, collision coverage, and comprehensive insurance in one policy. However, you can customize your coverage as you see fit.
Personalizing Your Policy
Since full coverage can vary depending on your carrier and policy, always check your terms to see how you’re protected. With that being said, you may also have additional or alternative coverages, including the following:
- Uninsured/Underinsured Motorist
- Medical Payments (MedPay)
- Gap insurance
- Roadside assistance
- Rental reimbursement
How Much Does Full Coverage Cost in Missouri?
On average, full coverage car insurance in Missouri costs $109-$143 per month. However, your actual rate depends on factors like:
- Age and driving record
- Where you live (urban drivers usually pay more)
- The vehicle you drive
- Chosen deductibles and coverage limits
The Cost of Deductibles
Deductibles can make or break your premium, and it’s important to keep them in consideration.
For liability, you don’t have to worry about this expense, but both collision and comprehensive coverages require deductibles to be paid after filing a claim before you receive reimbursement.
Remember, the higher your deductible, the more you’re going to have to pay after a claim, but you can also enjoy lower premiums in most cases.
The opposite is true, too, as drivers in Missouri with lower deductibles fork over less out-of-pocket money after a claim, but have higher monthly premiums on average.
Working with a licensed insurance agent can help you determine which is best for your level of risk.
Finding the Cheapest Full Coverage
Every insurer in Missouri uses its own formula to set rates. To lock in the lowest premium, drivers must do the following:
- Compare quotes from multiple carriers.
- Ask about available discounts (good driver, bundled home/auto, telematics).
- Re-shop every 12 months to make sure your rate is still competitive.
Liability vs. Full Coverage: Which Do Drivers in Missouri Need?
While many drivers find value in full coverage, it may not be right for you. If you’re trying to decide whether or not liability-only is the way to go, or if more protection might be needed, here’s a quick look at some real-life scenarios that can help you make an informed decision:
| Situation | Liability-Only Makes Sense | Full Coverage Makes Sense |
|---|---|---|
| Legal Requirement | Meets Missouri’s 25/50/10 minimums | Exceeds minimums with extra protections |
| Vehicle Value | Driving an older, low-value car that you can afford to replace | Newer, financed, or leased car requiring higher protection |
| Risk Exposure | Live in rural areas, drive less, or can pay out-of-pocket for damages | Drive frequently in high-risk areas (e.g., St. Louis, Kansas City) with higher theft/accident rates |
| Monthly Cost | Lower premiums, more budget-friendly | Higher premiums, but stronger safety net |
| Coverage Scope | Only covers injuries/damages you cause to others | Includes liability + collision (your car in an accident) + comprehensive (theft, vandalism, weather) |
| Lender/Lease Rules | Not required if the car is paid off and of low value | Required by lenders/lessors to protect their investment |
| Best Fit For | Budget-conscious drivers with older cars | Drivers wanting maximum financial protection and peace of mind |
Pros and Cons of Full Coverage Car Insurance in Missouri
| Pros of Full Coverage | Cons of Full Coverage |
|---|---|
| Protects your own car, not just others | Higher monthly premiums |
| Covers both collision and non-collision risks | It may not be worth it for older, low-value cars |
| Often required for financed or leased vehicles | — |
Compare Full Coverage Auto Insurance in Missouri
Full coverage car insurance in Missouri blends liability, collision, and comprehensive coverage, often with add-ons like UM/UIM or MedPay. While it costs more than liability-only, it shields you from a wider range of financial risks.
The best move? Compare quotes, set deductibles wisely, and personalize coverage to match your needs. That way, you’ll get the protection you deserve at a rate that won’t break the bank.
No matter your driving record, what type of vehicle you drive, or where you live in the great state of Missouri, Freedom Insurance Group is here to help.
We help drivers save as much as 40% on full coverage by comparing top-rated, trusted providers.
Get the protection you deserve for less by clicking the link for an auto insurance quote or calling one of our experts using the number at the top of the page.
Sources:
McDuffey & Medcalf. Accessed November 2025.
