What is Missouri's State Minimum Auto Liability Limits? - SBInsure Agency | Union, MO Skip to main content

If you are carrying Missouri state minimum auto liability limits, it means your auto liability limits are $25,000/$50,000/$25,000 ($25,000 per person, $50,000 Per occurrence and $25,000 property damage) the lowest legal limit allowed by law. Auto limits this low can open you up to out of pocket exposures that are not necessary.

Example 1:

You cause an accident that results in $50,000 in bodily injury for the driver, only $25,000 will be paid from your auto limits. Yes, your total per accident coverage is $50,000, but your per person is only $25,000. This leaves you on the hook for the difference. Also, if anyone else was injured in that vehicle, you will only have $25,000 for the total remaining amount.

The average number of people per family in the US in 2019, was 3.14. Let us use this as an example. If you hit a family of four, and just two of the family members injuries results in $75,000, your auto liability limits will only cover $25,000 for those two members and maxes your policy at $50,000, leaving the remaining $25,000 uncovered. Not to forget, if the other two family members were injured as well, there’s no coverage because your auto limits have already been maxed out.

Example 2:

The average cost of a new vehicle on the road today is over $30,000. If you hit and total a $60,000 vehicle, that is a $35,000 gap between your minimum $25,000 property damage limit.

Here at SBInsure, we recommend our customers carry minimum limits of $100,000/$300,000/$100,00. Increasing your limits will assist in minimizing your out of pocket exposures that are very common in the world we live in today.  Give us a call or stop in for a complete detailed review of your current auto policy, plus see how bundling your home or renter’s policy can ensure you have sufficient liability limits that fit your lifestyle!

Let’s discuss your auto insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate auto insurance solution. There’s no obligation, just good-old-fashioned advice.