Do You Need Auto Insurance to Rent a Car in Missouri?

Renting a car can be a convenient way to explore the beautiful state of Missouri, whether you’re a resident or visiting for the first time. However, one question often arises for first-time car renters in Missouri—do you need auto insurance to rent a car?

Rental car agencies will not rent you a vehicle unless you provide one of the following:

• Show proof of comprehensive and collision insurance on your personal car that will transfer to the rental car.
• You purchase separate coverage from the rental car company. Expect to pay between $25-40 a day for insurance.
• You provide documentation that the credit card you use provides primary insurance coverage on the rental car.

Understanding the requirements and options available will ensure your driving experience is smooth, secure, and enjoyable.

Understanding Missouri’s Auto Insurance Requirements

Missouri, like most states, has specific auto insurance requirements that all drivers must adhere to. If you own a car, you’re likely familiar with these requirements. Missouri mandates liability coverage, which includes:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident.
• Property Damage Liability: $25,000 per accident.

These coverages ensure that if you’re at fault in an accident, costs associated with injuries and property damage to the other party are covered.

However, when it comes to renting a car, the requirements can differ.

Car Rental Insurance Explained

When you rent a car, the rental company will offer you additional insurance options. Here’s a quick rundown of what’s typically available:

1. Collision Damage Waiver (CDW) / Loss Damage Waiver (LDW)

This isn’t technically insurance but a waiver. It relieves you of financial responsibility if the rental car is damaged or stolen. Without the CDW/LDW, you could be liable for the full cost of repairs or replacement.

2. Supplemental Liability Protection

If you cause an accident, this covers third-party injury and property damage claims beyond what your personal auto insurance might cover.

3. Personal Accident Insurance

This option covers you and your passengers’ medical expenses in the event of an accident.

4. Personal Effects Coverage

This protects against theft of personal belongings from the rental car.

Tips for First-Time Car Renters in Missouri

1. Research Ahead: Before you rent, research and understand your current insurance policy and options available through credit cards to avoid redundant coverage.
2. Evaluate Your Needs: Consider the duration of your rental and how frequently you rent cars; sometimes purchasing insurance through the rental company makes sense for longer or frequent rentals.
3. Compare Costs: Analyze the cost of additional rental company insurance versus the peace of mind it provides. Sometimes, the extra investment is worth it.
4. Ask Questions: Don’t hesitate to ask the rental company about their insurance policies and any exclusions that may apply.
5. Consider a Non-Owner Policy: If you frequently rent cars and don’t own a vehicle, a non-owner policy might be a cost-effective solution.

Need to get auto insurance in Missouri?

If you are not currently insured, let us assist you by providing a free insurance quote tailored to your needs, whether it be comprehensive and collision or liability insurance. We offer coverage in Kansas City, Missouri, as well as in Kansas and Illinois. Our dedicated team is ready to work with you, ensuring that you have the right coverage for your circumstances. With us, you can drive with confidence, knowing that you’re protected no matter where your travels take you.

Read More:

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