Auto Insurance in Wentzville and St. Charles County
What Missouri requires on every car, what the optional coverages do, and how households in St. Charles County are usually set up.
Opening soon · Not yet quoting or selling insuranceA local agency, opening soon
Firstway is a new independent insurance agency opening soon in Wentzville. We aren't quoting or selling auto insurance yet. This page explains how car insurance works in Missouri, so you can make sense of the policy you carry today.
What Missouri requires
Every vehicle driven in Missouri has to carry liability insurance and uninsured motorist coverage. The required minimums are often written as 25/50/25:
| Coverage | Missouri minimum |
|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist (bodily injury) | $25,000 per person, $50,000 per accident |
Source: Missouri Department of Revenue, insurance information. Requirements can change, so check the state's page for the current figures.
The minimum is the least the law allows. It isn't a recommendation. A serious crash can cost more than these limits, and the driver at fault can be personally responsible for the rest. The $25,000 property damage limit, for example, is less than the price of many newer vehicles.
Optional coverages
Collision
Repairs or replaces your own car after a crash, whoever was at fault. Lenders usually require it on a financed or leased car.
Comprehensive
Damage to your car from things other than a crash: hail, theft, fire, falling trees, or hitting a deer.
Underinsured motorist
Applies when the driver at fault has insurance, but not enough to cover your injuries.
Medical payments
Medical bills for you and your passengers after a crash, regardless of fault.
Rental reimbursement
Helps pay for a rental car while yours is in the shop for a covered claim.
Roadside assistance
Towing, a jump start, a flat tire or a lockout.
Households, teen drivers and commuters
Most households put all of their cars and licensed drivers on one policy. Insurers generally expect every licensed driver in the home to be listed, and adding a teen driver is one of the bigger changes a family policy goes through.
How a car is used matters as well. Many people in Wentzville, O'Fallon and Lake Saint Louis commute toward St. Louis on I-70 or I-64, and annual mileage and commute distance are among the things insurers ask about.
Auto and home together
If you own your home, it's common to keep both policies with the same agent. Our home and auto bundle page explains how that works, and the home insurance page covers what a homeowners policy includes.
Auto insurance questions
What auto coverage does Missouri require?
Missouri requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. It also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident for bodily injury. The Missouri Department of Revenue publishes the current requirements.
What is the difference between liability, collision and comprehensive?
Liability pays for injuries and damage you cause to other people. Collision pays to repair your own car after a crash, whoever was at fault. Comprehensive pays for damage to your car from things other than a crash, such as hail, theft, fire or hitting a deer.
Is the state minimum enough?
The minimum is the least the law allows, not a recommendation. A serious crash can cost more than the minimum limits, and the driver at fault can be personally responsible for the difference. How much coverage fits depends on what you own and what you could afford to pay yourself.
Can multiple cars and drivers be on one policy?
Yes. A household's cars and licensed drivers are normally written on one policy. Insurers generally expect every licensed driver in the household to be listed, including teen drivers.
What is uninsured motorist coverage?
Uninsured motorist coverage pays for your injuries, and your passengers' injuries, when the driver at fault has no insurance, or in a hit and run. Missouri requires it on auto policies. Underinsured motorist coverage, which applies when the other driver's limits are too low, is a separate option.
How do I get a quote from Firstway?
You can't yet. Firstway isn't open, and we don't quote or sell insurance until we are licensed. Leave your name on this page and we'll contact you when we open.
Want to know the day we open?
Firstway isn't quoting or selling insurance yet. Leave your name and we'll reach out once, when we open in Wentzville.