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Missouri Insurance Guide
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Insurance in Missouri
Find comprehensive insurance information for Missouri (MO) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Missouri (MO) |
| Region | Midwest |
| Population | ~6.2M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Missouri Department of Insurance |
Health Insurance in Missouri
Missouri residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Missouri
Missouri has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Missouri
Protect your home with coverage tailored to Missouri’s specific risks and requirements.
Life Insurance in Missouri
Find life insurance options available to Missouri residents to protect your family’s financial future.
How Missouri Compares
Understanding how Missouri stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Missouri | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,345 | $1,935 | -30% (near average) |
| Health Insurance (monthly) | $612 | $477 | +28% (near average) |
| Home Insurance (annual) | $1,978 | $2,377 | -17% (above average) |
| Uninsured Rate | 9.1% | 9.5% | -4% (below average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Missouri Department of Commerce and Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Missouri (opens in new tab) - Federal health insurance marketplace for Missouri
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Missouri address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Missouri Department of Commerce and Insurance
- Phone
- 573-751-4126
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Missouri?
Missouri requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
How do I get health insurance in Missouri?
Missouri uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Missouri expanded Medicaid in 2021, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Missouri homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Missouri. Located in Tornado Alley, Missouri sees significant severe weather. Ensure adequate coverage limits and understand your wind/hail deductible, which may be percentage-based.
Is earthquake insurance available in Missouri?
Yes, earthquake insurance is available as a separate policy or endorsement. Missouri sits near the New Madrid Seismic Zone, which poses significant earthquake risk. Standard homeowners insurance does not cover earthquake damage, so separate coverage is recommended.
What is the average cost of car insurance in Missouri?
Missouri drivers pay approximately $1,300-$1,500 per year for full coverage auto insurance, near the national average. St. Louis and Kansas City metro areas have higher rates than rural Missouri.
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[missouri] Insurance Types
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Neighboring State Guides
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