Car Insurance in Missouri

Whether you drive a sports car or a minivan, you want to be protected no matter what the open road brings your way. For customers who hate overpaying for car insurance, G&G’s in-house software program allows us to shop your needs with 50+ insurance companies so you can be confident that you’re getting the best coverage at the best price.

Life is a Highway with Missouri’s Best Car Insurance!

Owning a car is like owning a little piece of freedom. Getting to work on time, easier trips to the grocery store, travelling longer distances, even road trips are all possible when you own a car. But owning a car comes with its challenges. Regular upkeep and keeping the tank filled with gas adds up. And then, of course, you have your monthly insurance payments.

But finding the right insurance doesn’t have to feel like a chore. With G&G Insurance, you can search over 50 companies at once to find cheap car insurance in Missouri that perfectly suits your needs. So, buckle up, start your engines, and we’ll have you on the road again in no time!

What’s the Best Car Insurance Coverage in Missouri?

The best car insurance policy is one that doesn’t leave you stranded. Many people purchase the most basic car insurance possible. After all, they just need it to get from one place to another, right? They’re careful drivers. They’re not going to get in an accident.

Until they do.

Imagine the stress of getting in an accident, only to realize your insurance doesn’t completely cover you. Now, despite paying your insurance company every month, you’re still left paying for your accident! What kind of deal is that?

When shopping for car insurance in Missouri, you want to know exactly what you’re getting. Does your insurance cover theft? Does it cover medical expenses for another party if an accident you’re at fault for injures them? Does it cover you if someone injures you and leaves the scene? Or if their insurance doesn’t pay out enough to cover your medical bills?

You may not be able to prepare for everything. But having proper car insurance coverage assures you that you’re prepared for a great deal of possibilities on the road.

Don’t wait until it’s too late.

What Our Customers Say

Kimberly Fiveash
a month ago
During the process of purchasing a home, I was referred to Cody Walters. I found him to be super helpful! He found the best policies...
Doris Rogers
in the last week
Andrew just saved us over $400.00 a year with better coverage. He has been very helpful and was always available to answer questions. I...
Mica Schuler
3 months ago
I recently purchased a new home and needed to secure a home insurance policy. I reached out to G&G and was thoroughly impressed with the...

Fast Facts – Automobile Accidents in Missouri

  • In 2020, traffic fatalities increased by 12%
  • Missouri is considered the 19th most likely state to get in a fatal car accident
  • Most fatal accidents involve drivers who are 55 or older
  • A national study determined about 94% of automobile accidents were likely caused by human factors.
  • Is Car Insurance Required by Law in Missouri?

    In most places, car insurance is required by law to operate an automobile. Missouri is no exception. According to the Missouri Department of Insurance, you are required to hold insurance that covers you for a minimum of $25,000 per person in bodily injury coverage, $50,000 per accident, and $25,000 for property damage. If you allow your coverage to lapse, or if you’re caught driving without insurance in Missouri, you lose your vehicle’s registration and your driver’s license. You can receive 4 points on your license, be fined up to $300, and even face 15 days of jail time. 

    In short, the risk of driving without insurance isn’t worth it. Having proper coverage is essential to driving safely and responsibly. For more information on driving laws in Missouri, visit

    Car Insurance

    How Can I Find the Cheapest Car Insurance in Missouri?

    When buying car insurance—or any insurance for that matter, you want to balance expense with quality. A cheap plan is great! But if it doesn’t provide proper coverage, it could prove to be far more expensive down the line. 

    Your best option is to search for car insurance in Missouri and compare rates from as many companies as you can find within your budget. But this is a tedious task that can leave you pulling out your hair in no time. 

    Car insurance rates in Missouri depend on several factors including your age, location, and driving history. For a more detailed look at what might affect your auto insurance premiums, check out our article covering these factors and more!

    G&G Independent Insurance knows how cumbersome it can be to find the right insurance for your needs. But that doesn’t mean you should settle for the first—or even fourth—company you find. Instead, consider using our database of over 50 auto insurance companies in Missouri. 

    Within minutes, you can have quotes from a variety of companies, all in one easy search. Just tell us what you’re looking for, and we’ll do the rest for you!

    Don’t forget to check out these 3 mistakes to avoid when shopping for car insurance!

    Can My Friend Borrow My Vehicle if I Have Car Insurance?

    When purchasing auto insurance in Missouri, your policy only covers specified vehicles. If you drive someone else’s vehicle or even a rental, you may not be covered under your own car insurance policy. You are also asked to give details about the drivers of your vehicle when insuring it. Typically a policy covers the person named in the policy, their spouse and other family members living in their household, as well as anyone the policyholder has permitted to drive the vehicle. 

    Despite many policies covering drivers outside of your household, there are policies that will only cover these drivers for the state-required minimums ($25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage) even if your regular limits are set above this amount. 

    Regardless of who’s driving your vehicle, it’s important to make sure you’re covered in case of an accident! Use G&G Independent Insurance to search for affordable auto insurance in Missouri today!

    Families trust G&G because we are the only full-service insurance agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.