All drivers in St. Peters and throughout Missouri must maintain auto insurance to be allowed to drive. You'll have the option to customize your auto insurance coverage to meet your needs and budget. But you'll have to meet the minimum requirements set out by the state, regardless of vehicle type or value.

Here's what you need to know. 

Minimum Auto Insurance Requirements in St. Peters 

Your auto insurance coverage must include the following coverage: 

• Bodily Injury Liability - If an accident is your fault, this component of your insurance policy will cover the medical bills of anyone else involved in the accident. Your coverage must include at least $25,000 per person, per accident. It must also include at least $50,000 total to cover everyone involved in the accident. 
• Property Damage Liability - This coverage pays for any damage to the other person's physical property, like their vehicle, home, fence, landscaping and other items. The minimum requirement in this category is $10,000 of coverage. It is important to note, though, that your own vehicle is not included in this coverage. It falls under collision coverage, which is optional. 
• Uninsured Motorist - As hard as it might be to believe, there are still some people out there who choose to ignore the law and drive in St. Peters without auto insurance. If you are involved in an accident with an uninsured driver, you'll need uninsured motorist coverage to pay for any damage or medical bills if the accident was the other driver's fault. You'll need coverage to the tune of $25,000 per person and $50,000 per accident. 

Additional Coverage Options 

While you must meet Missouri's minimum auto insurance requirements, you don't have to stop there. You have the option of increasing your coverage levels in all of the above categories to provide added protection for you and your loved ones. You can also add extra coverage for your own vehicle, including Collision coverage and Comprehensive coverage. 

Reevaluate Your Auto Insurance 

If it has been a while since you last adjusted your auto insurance coverage, there is no time like the present to give your policy a tuneup. Lang Insurance agents will be happy to help you out with all your auto insurance needs in St. Peters, so don't be shy about getting in touch.

Our experienced agents will ensure you are getting the best value for your money while also making sure you meet the state minimums. Reach out to us today to for a no-hassle online quote.

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