# Missouri Auto Insurance in Sullivan, MO | Tina Gregory Agency > Missouri auto insurance from a Sullivan Farmers agency with more than one door. We explain 25/50/25, required UM and your options in plain English. Call (573) 358-4513. Source: https://tinagregoryagency.com/auto-insurance [Home](https://tinagregoryagency.com/) / Auto Insurance # Missouri Auto Insurance: Explained in plain English. Built for the roads you drive. We walk you through Missouri's 25/50/25 minimum, the uninsured motorist coverage the state requires, and every option on top. Then you pick what works for you. Farmers first, with other options when Farmers isn't the best fit. [Get My Free Auto Quote](https://tinagregoryagency.com/quote?type=auto) [or call **(573) 358-4513**](tel:+15733584513) **25/50/25** Missouri Minimum Liability **Farmers+** More Than One Door **52** Client reviews **Sullivan** Local office The Quick Answer Missouri requires **25/50/25** liability coverage: $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Missouri also requires **uninsured motorist coverage** of $25,000 per person and $50,000 per accident. **Underinsured motorist** and **medical payments** coverage are optional, and there's **no PIP requirement**. Missouri is an **at-fault state** that uses **comparative fault**, so minimum limits can leave your savings and home equity exposed after a serious accident. For most drivers the right policy is liability sized to what you own, the required UM, and **collision plus comprehensive** on any car you couldn't replace out of pocket. Comprehensive covers **deer strikes**, **hail** and theft. **Tina Gregory Agency** is a **Farmers Insurance agency in Sullivan** with more options through Kraft Lake: we quote **Farmers** first and, through **Kraft Lake Insurance Agency**, companies like **Progressive** and **Bristol West** when Farmers isn't the best fit. We explain the coverages and you pick. Free quotes at **[(573) 358-4513](tel:+15733584513)**. Missouri minimum liability 25/50/25 Also required Uninsured motorist $25k/$50k Optional in Missouri UIM & medical payments (no PIP) Call our Sullivan office [(573) 358-4513](tel:+15733584513) Missouri Auto Insurance, The Short Version ## The state minimum keeps you legal. It doesn't protect what you've built. Missouri requires **25/50/25** liability limits: $25,000 per injured person, $50,000 per accident, and $25,000 for property damage. Those numbers run out fast. A single newer pickup can be worth more than the whole $25,000 property damage limit, and a pileup on I-44 can involve several cars and several injured people at once. Missouri also requires **uninsured motorist coverage** of $25,000 per person and $50,000 per accident. That part is good news. It means your policy already has some protection if a driver with no insurance hits you. Underinsured motorist coverage, for drivers who carry some insurance but not enough, is optional. Here's the part most drivers miss: Missouri is an **at-fault state**. If you cause an accident, you're responsible for the damage, and once your limits are spent the rest can come after your savings and your home equity. Missouri uses comparative fault, so blame can be shared, but your liability limits are still the wall between an accident and everything you own. So we don't start with "what's the cheapest policy." We start with what you have to protect. Then we actually explain the coverages to you, line by line, and let you pick what works for you. Comprehensive matters around here. Deer on I-44 and the back roads, and hail from spring storms, are two of the claims people tend to remember. We're a Farmers agency with more than one door. We quote **Farmers** first, and when Farmers isn't the best fit, we can also quote Farmers family company Bristol West, or outside companies like Progressive through Kraft Lake Insurance Agency. [Bundling your cars with your home](https://tinagregoryagency.com/home-insurance) may lower the price further, and that's where a lot of Sullivan households start. Want a ballpark first? Try the [auto rate estimator](https://tinagregoryagency.com/#estimator), then call [(573) 358-4513](tel:+15733584513) for real quotes. It's one free conversation with our Sullivan office, Monday through Friday, 9 to 5 Central. ## What Missouri requires. And what's worth a real look. Missouri requires **25/50/25 liability** and **uninsured motorist coverage of $25,000/$50,000**. **Underinsured motorist and medical payments are optional**, and Missouri has no PIP requirement. Required by law $25k / $50k ### Bodily Injury Liability Pays for injuries you cause to other people: $25,000 per person, $50,000 per accident. This is the coverage that stands between an at-fault accident and your personal assets, which is why we'll show you what higher limits cost before you decide. Required by law $25k ### Property Damage Liability Pays for damage you cause to other people's property: their car, their fence, their mailbox. $25,000 doesn't go far if you damage a newer truck or two, and a claim above the limit becomes your bill. Required by law UM $25k / $50k ### Uninsured Motorist Covers injuries to you and your passengers when the at-fault driver has no insurance. Missouri requires at least $25,000 per person and $50,000 per accident. Many people choose to match it to their own liability limits. Worth a look UIM ### Underinsured Motorist Helps when the other driver has insurance, just not enough to cover your injuries. It's optional in Missouri. Plenty of drivers carry only the minimum, so we'll explain how UIM works and let you decide. Strongly recommended Collision ### Collision Coverage Repairs or replaces your own car after a crash, regardless of fault. Required by every lender on a financed or leased vehicle, and worth carrying on any car you couldn't comfortably replace out of pocket. Strongly recommended Comprehensive ### Comprehensive Coverage Covers what happens when you're not in a crash with another car: hitting a deer, hail from a spring storm, a limb on the windshield, flood water, theft, glass, vandalism and fire. On rural Missouri roads, this is the quiet workhorse of the policy. Worth a look Med Pay ### Medical Payments Pays medical bills for you and your passengers after an accident, no matter who was at fault. It's optional in Missouri, which has no PIP requirement. If your health insurance deductible is high, it can be inexpensive protection. Not covered App On ### Rideshare & Delivery Driving Personal policies generally exclude driving for Uber, Lyft, DoorDash, and other platforms. Ask us about rideshare coverage availability; where it's offered, an endorsement can close the gap. If the app is on, let's talk first. Not covered Your Stuff ### Belongings Inside the Car A laptop stolen from your back seat is not an auto claim. Personal belongings are covered by your [home](https://tinagregoryagency.com/home-insurance) or [renters](https://tinagregoryagency.com/renters-insurance) policy, another reason the bundle works. ### Three required coverages. A few more worth knowing. We'll explain each one for your cars and your household, show you the prices side by side, and let you pick. Farmers first, other options when they fit better. Free, with no pressure. [Get My Free Quote](https://tinagregoryagency.com/quote?type=auto) [Call (573) 358-4513](tel:+15733584513) Coverage Basics ## How a Missouri auto policy actually works. An auto policy is really a stack of separate coverages, each answering a different question. Here's the plain-language version of what each layer does, so you can choose with your eyes open. ### Liability: the coverage that protects everyone else, and you Liability is the legally required core. Bodily injury liability pays medical bills, lost wages and legal judgments for people you injure. Property damage liability pays for the cars and property you damage. When a claim is bigger than your limits, you can be personally responsible for the rest. Missouri's at-fault system makes that exposure real, even when fault is shared under comparative fault rules. Our rule of thumb: your liability limits should reflect what you have to lose, not what the state minimum requires. Homeowners often look at higher limits, and families with more to protect can pair auto liability with an [umbrella policy](https://tinagregoryagency.com/umbrella-insurance) that sits on top of both home and auto. We'll show you the difference in price and let you decide. ### Uninsured and underinsured motorist: coverage for other people's choices You can do everything right and still get hit by someone with no insurance. That's why Missouri requires **uninsured motorist coverage** of at least $25,000 per person and $50,000 per accident. It steps into the at-fault driver's shoes and pays for your injuries. **Underinsured motorist coverage** is the optional cousin. It helps when the other driver carries insurance, but their limits run out before your medical bills do. Since many drivers carry only 25/50/25, UIM is worth a real conversation. ### Collision and comprehensive: the coverages for your own car Liability never pays for your own vehicle. That's the job of collision and comprehensive, together often called "full coverage." **Collision** handles crash damage, whether you hit another car, a guardrail or a ditch. **Comprehensive** handles nearly everything else: deer, hail, flood water, theft, vandalism, glass, fire and falling limbs. Around Sullivan, deer on I-44 and the county roads and hail from spring storms are two of the big ones. Both come with a deductible, the amount you pay before coverage kicks in, and the deductible is your main pricing lever. Raising it from $500 to $1,000 may trim the premium if you have savings to cover the difference. On an older car worth a few thousand dollars, it's fair to ask whether collision still earns its keep. We'll run that math with you honestly. ### Medical payments: optional in Missouri Missouri isn't a no-fault state and has no PIP requirement. **Medical payments coverage** is optional. It pays medical bills for you and your passengers after an accident, regardless of fault, and it can help cover a health insurance deductible. ### The add-ons: useful, but only where they fit The remaining pieces are situational, and this is where we explain the trade-offs instead of upselling everything: - **Rental reimbursement** pays for a rental car while yours is in the shop. Worth it for anyone who can't be without a car for two weeks. - **Roadside assistance** covers tows, jump starts and lockouts. Skip it if you already have roadside help through an auto club or your vehicle's warranty. - **Gap coverage** pays the difference between what you owe on a loan or lease and what the car is worth if it's totaled. Worth a look on newer cars with small down payments; unnecessary once the loan balance drops below the car's value. - **Rideshare coverage** addresses Uber, Lyft and delivery driving that personal policies generally exclude. Ask us about rideshare coverage availability before the app goes on. Driving for your own business is different again, and may need [commercial auto](https://tinagregoryagency.com/business-insurance). None of this needs to be memorized. Bring us your declarations page, tell us how you actually use your cars, and we'll walk the stack together in plain English. You pick what works for you. ### Not sure what your current policy actually covers? Send us your declarations page. We'll read it with you, explain each line, and show you your options. No pressure, no jargon. [Get My Free Quote](https://tinagregoryagency.com/quote?type=auto) [Call (573) 358-4513](tel:+15733584513) ## Seven honest ways to lower your Missouri premium. Without gutting your protection. The two biggest levers are usually **bundling your cars with your home** and **insuring every car in the household together**. Discounts may stack on top. The one move to avoid is cutting liability limits. 1 ### Bundle your cars with your home Pairing your auto policy with a [home](https://tinagregoryagency.com/home-insurance) or [renters](https://tinagregoryagency.com/renters-insurance) policy may lower what you pay, and it puts your whole plan in one place with one local office that knows the full picture. 2 ### Put every car in the household on one policy Two trucks, a family car and a teen's first ride? Insuring them together may qualify for a multi-car discount and makes it easier to see what each car really costs to cover. It's also simpler at claim time. 3 ### Ask about Farmers occupation discounts Farmers offers occupation-based discounts for certain professions, including educators, firefighters, law enforcement, military, nurses, physicians, engineers and others. Eligibility varies, so tell us what you do and we'll check. 4 ### Raise your deductible, if your savings can cover it Moving collision and comprehensive deductibles from $500 to $1,000 can lower those line items. The right deductible is the biggest number you could pay tomorrow without wincing. 5 ### Drop collision on cars that no longer justify it When a car's value drops to a few thousand dollars, collision coverage can cost more over a few years than the car would ever pay out. We'll tell you when it may be time, and you decide. 6 ### Keep a clean record, and stack the discounts you qualify for Tickets and at-fault accidents can follow your rate for years. Good student, safety features, paying in full and other discounts may be available depending on the company and your situation. Part of your yearly review is making sure every one you qualify for is applied. 7 ### Let us check your options once a year Your life changes faster than your policy does: a new commute, a paid-off car, a teen who made the honor roll. Once a year, sit down with us in Sullivan or by phone. We'll re-check your coverages, deductibles and discounts, and if Farmers isn't the best fit anymore, we can look at other options through Kraft Lake. What doesn't work: quietly cutting liability limits. ### Want us to run all seven against your current policy? Bring your declarations page. We'll walk through it with you and show you where the savings may be, and where they aren't. No obligation either way. [Review My Rate](https://tinagregoryagency.com/quote?type=auto) [Call (573) 358-4513](tel:+15733584513) ## Whatever's in the driveway. We quote it. Teen drivers, college students, trucks, leases and weekend classics all change how a policy should be built. Tell us how you actually drive and we'll explain your options. [Households with teen & college drivers Adding a teen, or a college student who takes a car to campus, is the biggest rate jump most families ever see. Good student discounts where eligible, the right car assignment and smart deductibles can soften it.](https://tinagregoryagency.com/quote) [Commuters & long-haul drivers Daily miles on I-44, MO-185 or old Route 66 add up, and so does the exposure that comes with them. We'll explain liability, UM and UIM limits for the roads you actually drive.](https://tinagregoryagency.com/quote) [Trucks, EVs & new technology Full-size pickups can be pricey to repair or replace, and EVs and hybrids can carry higher repair costs. Both change how collision and comprehensive should be set up, and a truck parked outside through hail season needs comprehensive most of all.](https://tinagregoryagency.com/quote) [Leased & financed vehicles Lenders require full coverage and often cap deductibles. Gap coverage protects you from owing money on a car that no longer exists.](https://tinagregoryagency.com/quote) [Classics, campers & weekend toys A collector car shouldn't be insured like a daily driver. Ask us about classic car options, and about coverage for the camper, the boat you take to the Meramec, and the bikes, too.](https://tinagregoryagency.com/rv-insurance) [Homeowners with more than one car Your home and all your cars in one conversation. Bundling home and auto may lower the price, and eligibility varies. We'll show you both ways so you can decide.](https://tinagregoryagency.com/home-insurance) ## Auto insurance in Sullivan. And across Missouri. Car insurance is priced ZIP by ZIP, so it helps to work with people who know I-44, MO-185 and the back roads. Our office is in Sullivan, we serve nearby communities in Franklin and Crawford counties and along the I-44 corridor, and we write drivers across Missouri. [Get Quote](https://tinagregoryagency.com/quote) [Sullivan](https://tinagregoryagency.com/sullivan/) [Stanton](https://tinagregoryagency.com/quote) [Bourbon](https://tinagregoryagency.com/quote) [St. Clair](https://tinagregoryagency.com/quote) [Leslie](https://tinagregoryagency.com/quote) [Gerald](https://tinagregoryagency.com/quote) [Cuba](https://tinagregoryagency.com/quote) [Union](https://tinagregoryagency.com/quote) [Steelville](https://tinagregoryagency.com/quote) [Owensville](https://tinagregoryagency.com/quote) [Washington](https://tinagregoryagency.com/quote) [Franklin County](https://tinagregoryagency.com/quote) [Crawford County](https://tinagregoryagency.com/quote) [I-44 Corridor](https://tinagregoryagency.com/quote) [All of Missouri](https://tinagregoryagency.com/quote) ## Missouri auto insurance questions. Straight answers. What is the minimum car insurance required in Missouri? Missouri requires liability coverage of at least **$25,000 per person and $50,000 per accident** for bodily injury, plus **$25,000 for property damage**, written as 25/50/25. Missouri also requires **uninsured motorist coverage** of $25,000 per person and $50,000 per accident on your policy. That keeps you legal, but the minimum can run out fast in a serious accident, and whatever the policy doesn't pay can come back to you. If you ever have a question about Missouri's insurance rules, the Missouri Department of Commerce and Insurance consumer hotline is 800-726-7390. Is uninsured motorist coverage required in Missouri? **Yes.** Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident is required on Missouri auto policies. It pays for your injuries when the at-fault driver has no insurance at all. **Underinsured** motorist coverage is different, and it's optional. It helps when the other driver has insurance, just not enough to cover your injuries. We'll explain both and let you decide how much fits. Is Missouri a no-fault state? **No.** Missouri is an at-fault state, and there's no PIP requirement. The driver who causes an accident is responsible for the injuries and damage, and their liability coverage pays those claims. Missouri also uses **comparative fault**. If more than one driver shares the blame, what each one can recover may be reduced by their share of fault. That's one more reason your own liability limits matter. What happens if I drive without insurance in Missouri? Driving uninsured is a **class D misdemeanor** on a first offense. The court may assess **4 points**, a suspension or supervision, and 8 points within 18 months can lead to a license suspension. Repeat offenses can bring a suspension of 90 days or a year, plus reinstatement fees. What does full coverage actually mean? Full coverage is industry shorthand, not a legal term. It usually means liability plus **collision** (crash damage to your own car) and **comprehensive** (deer, hail, theft, vandalism, glass, fire, flood water), along with the uninsured motorist coverage Missouri already requires. Lenders require collision and comprehensive on any financed or leased vehicle. On a car you own outright, whether full coverage still makes sense depends on what the car is worth. We'll run that math with you and let you pick. Does car insurance cover hitting a deer? **Usually, if you carry comprehensive coverage.** An animal strike is typically a comprehensive claim, minus your deductible. A liability-only policy won't pay to fix your own car. Deer can be a real hazard on I-44 and the rural roads around Sullivan, Bourbon and Cuba, especially at dawn and dusk. If you drive those roads a lot, comprehensive deserves a close look. Does insurance cover hail damage to my car? **Yes, if your policy includes comprehensive coverage**, minus your deductible. Missouri sees its share of hail. A liability-only policy pays nothing for hail, theft or flood. If your car parks outside, comprehensive is worth talking through. Does insurance cover a flooded car? **Yes, under comprehensive coverage.** A flooded vehicle is a comprehensive claim on your auto policy, not a flood policy claim. The Meramec and Bourbeuse rivers flooded to record levels in December 2015 and May 2017, and a car that stalls in moving water can be totaled in minutes. Turn around, don't drown. Note the split: your car's flood damage is auto comprehensive. Your home and belongings need a separate [flood policy](https://tinagregoryagency.com/flood-insurance), which we can help you with too. Do I need medical payments coverage in Missouri? It's not required. Missouri has no PIP requirement, and **medical payments coverage is optional**. It pays medical bills for you and your passengers after an accident, no matter who was at fault. If you have strong health insurance, a small amount may be enough. If your deductible is high, it can be inexpensive protection. We'll explain it and you decide. How much is car insurance in Sullivan, Missouri? It depends on you more than on any average. Your ZIP code, commute, driving record, vehicles, household drivers and the coverage you choose all move the number, and each insurance company weighs those factors differently. We quote Farmers first. When Farmers isn't the best fit, we can also quote Farmers family company Bristol West, or outside companies like Progressive through Kraft Lake Insurance Agency. Ballpark yours with our [rate estimator](https://tinagregoryagency.com/#estimator), then call for real quotes. Does Farmers offer discounts for my job? **You may qualify.** Farmers offers occupation-based discounts for certain professions, such as educators, firefighters, law enforcement, military, nurses, physicians, engineers, scientists, accountants and more. Eligibility varies. Tell us what you do for a living when we quote, and we'll check whether your profession qualifies along with any other discounts that may apply. How can I lower my car insurance in Missouri? The biggest levers: bundle your cars with your [home](https://tinagregoryagency.com/home-insurance) or [renters](https://tinagregoryagency.com/renters-insurance) policy, insure every car in the household together, ask about occupation and other discounts, raise your deductible if your savings can cover it, and drop collision on a car that isn't worth much anymore. What doesn't work is quietly cutting your liability limits. That saves a little each month and puts what you own at risk. There's almost always a smarter place to trim, and we'll help you find it. Still have questions? [Call (573) 358-4513](tel:+15733584513) . We'll give you a straight answer. ## Bundle it. You may save on both. [Get an auto quote](https://tinagregoryagency.com/quote?type=auto) [Home insurance](https://tinagregoryagency.com/home-insurance) [Renters insurance](https://tinagregoryagency.com/renters-insurance) [Call (573) 358-4513](tel:+15733584513) ## From our Missouri insurance guides [All Missouri insurance guides →](https://tinagregoryagency.com/blog/) [Guide ### Missouri Car Insurance Guide: Coverage, Costs and How to Quote Missouri requires 25/50/25 liability plus uninsured motorist coverage. See what each coverage pays, what Missouri drivers pay on average and how to quote. Read the guide →](https://tinagregoryagency.com/blog/auto-insurance/missouri-car-insurance-guide-coverage-costs-and-how-to-quote/) [Coverage ### Home Insurance in Sullivan, Missouri Missouri home insurance from Tina Gregory Agency, a Farmers agency in Sullivan with other options. Hail, wind deductibles, earthquake, sinkholes, bundling. See coverage →](https://tinagregoryagency.com/home-insurance) [Coverage ### Umbrella Insurance in Missouri Personal umbrella insurance in Sullivan, MO: extra liability above your home and auto, often in $1M steps. Missouri's 25/50/25 minimums are low. See coverage →](https://tinagregoryagency.com/umbrella-insurance) ## Your real number is one call away. Free, fast, and in plain English. Tell us about your cars, your drivers and your commute. We'll explain the coverages, show you the options side by side, and let you pick what works for you. [Get My Free Auto Quote](https://tinagregoryagency.com/quote?type=auto) [or call **(573) 358-4513**](tel:+15733584513) --- **Tina Gregory Agency** · 878 Dunsford Dr, Sullivan, MO 63080 · (573) 358-4513 · Mon–Fri 9:00 AM–5:00 PM Central Request a quote: https://tinagregoryagency.com/quote-request (plain HTML form) or https://tinagregoryagency.com/quote (guided).