State Minimums

Blake RobbinsOn the Road, Uncategorized, Understanding Insurance

State Minimums

While getting the state minimums in auto insurance can be tempting, especially on a tight budget, it is not the best option. Not sure what having the state minimums mean and not sure what to get? We’ll walk you through it.

Each state has different minimums required for auto insurance. For example, Missouri’s state minimum is 25/50/10—$25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property. These minimums may seem like a lot of money; however, once medical and other bills are added up, this will probably not be enough money to cover the costs of a serious accident. When your insurance is not enough coverage to pay back what is owed, your personal assets are at risk of being taken away.

How do you get decent coverage for a price that won’t hurt your wallet? It is helpful to have an independent insurance agent. This way, they can shop a variety of carriers to find you the best coverage for the best price. Additionally, there are often a variety of discounts available to help offset the cost.

Insurance can be confusing, but it doesn’t have to be! If you have questions about your auto insurance, give us a call at 417-355-6677 or visit us at!