St. Louis Auto Insurance Coverage

Protecting you wherever you go.

Any time you are on the road, you face risks. While St. Louis auto insurance can’t stop an accident from happening, it can prevent one from devastating you financially. McNeil Insurance Group, as your independent representative, connects you with policies that balance coverage with affordability. 

Why You Need Car Insurance

In St. Louis and throughout Missouri, auto insurance is required by law. At a minimum, you must carry at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $25,000 in liability coverage for property damage. Without this, you can be fined and have your license and registration suspended. 

However, even without these laws, having auto insurance is essential to protecting you financially. In the event of an accident, you can be sued by the other party and face significant medical bills. Auto insurance also reimburses you if your car is stolen or totaled. Given how essential personal transportation is in the St. Louis area, quality car insurance is a must.

What Auto Insurance Covers

St. Louis auto insurance will always include bodily and property liability coverage. This covers you when you are found to be at fault in an accident. Liability can pay for damage to vehicles and objects and medical care for those injured in the crash. It also protects you if you are sued as a result of the accident.

Other common elements of auto insurance include:

Comprehensive Coverage

This protects you when your car is damaged from events you do not cause, such as theft, vandalism, and falling trees.

Collision Coverage

This covers costs related to your vehicle if it is damaged in a collision with another vehicle or object

Medical Payments Coverage

This pays for medical treatment for yourself and your passengers after an accident, no matter who is at fault.

Uninsured/Underinsured Motorist Bodily Injury (UIM)

UIM coverage pays for injuries you and your passengers suffer if hit by a driver without sufficient insurance.

Uninsured/Underinsured Motorist Property Damage (UMPD)

Similar to UIM, UMPD pays for damage to your property if harmed in an accident with a motorist that has insufficient coverage.

How Auto Insurance Cost Is Determined

The goal with any auto insurance policy is to find the ideal balance between coverage and cost. However, the prices of car insurance policies vary widely based on several factors, such as:

The age of the primary driver

The make and model of the car

Previous traffic violations

Yearly milage

Credit history

Driving record


Marital status


What McNeil Insurance Group Does for You

Auto insurance coverage is a complex subject. We serve as your guide in the insurance world, determining the ideal auto insurance policy for your needs and navigating the ins and outs of coverage. As an independent agency, we have access to policies from more than 20 providers, bringing you the policies you need at a price you can afford.