Auto Insurance
Auto coverage built for Missouri drivers
It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.It's no fib — you're in good hands with Bibb.
Whatever you drive, we can cover it
From daily commuters to motorcycles, classic cars, and RVs, our team helps Missouri drivers build auto coverage that fits how you actually live. We'll walk you through your options and recommend a policy that meets Missouri's legal minimums and protects what you own.
And if something goes wrong on the road, you call us — not a call center. Our dedicated in-agency claims team will walk you through every step of the process.
Coverage that goes the distance
Accidents happen, even to careful drivers. Whether you're rear-ended on I-44, dealing with hail damage in St. Louis, or hit a deer outside Nixa, we'll make sure the coverage you have actually works for the situation you're in.
- Personal Auto
- Motorcycle
- Classic & Collector Car
- RV & Motorhome
- Boat
- ATV
FAQ
Frequently Asked Questions
What's the minimum auto insurance required in Missouri?
Missouri requires liability coverage of at least 25/50/25 — that is, $25,000 for injuries per person, $50,000 total per accident, and $25,000 for property damage. Missouri also requires uninsured motorist coverage at the same 25/50 limits. These are legal minimums, not what most drivers actually need — we typically recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, and enrolling in a safe-driver telematics program. We do annual policy reviews to catch cases where your rate drifted up or your coverage no longer matches your life.
Does my auto insurance cover me if I drive to another state?
Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.
Do you cover motorcycles, boats, RVs, and ATVs?
Yes — we write separate specialty policies for motorcycles, boats, RVs, ATVs, and classic cars. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.
Get a Free Auto Quote
Tell us about you — we'll take it from there.
Trusted by thousands of Missouri drivers since 2005