The Missouri Department of Commerce and Insurance does not set insurance rates. An insurance company's rates are based upon the claims they pay, operating expenses and profit. The rates you pay as an individual driver/owner are usually based on:
- The amount of coverage purchased.
- The amount of the deductible chosen.
- Where the automobile is garaged; autos rates for farm use generally have lower rates than those rated for city use.
- How the auto is used and the number of miles driven each year.
- The type and age of the car.
- The age and sex of the insured driver.
- Credit history.
- Driving and claims record. Missouri regulations, however, prohibit insurers from charging extra for claims under your comprehensive coverage.
Insurance companies and insurance rating organizations establish rating territories generally based upon claims experience. Check with your agent or broker if you have any questions about your rating territory.
Topics for Consumers
- Auto
- Agent/Agency Search
- Autism Insurance Resources
- Consumer Complaints
- Earthquake Insurance
- FAQ
- Glossary of Terms (Alphabetical)
- Glossary of Terms (Categorized)
- Health
- Homeowners
- Insurance Company Search
- Life & Annuities
- Long-Term Care
- Medical Loss Ratio Hearing
- Publications
- Medigap
- Missouri SHIP
- Severe Weather
- Small Business
- Workers' Compensation
- Vehicle Service Contracts
File a ComplaintComplaint IndexFind an Agent/AgencySearch Enforcement ActionsFind an Insurance Company Attend a Public Hearing or Meeting
Missouri Department of Commerce & Insurance
Insurance Divisions
Street Address:
Harry S Truman State Office Building
301 W. High St., Room 530, Jefferson City, MO 65101
Mailing Address:
PO Box 690
Jefferson City, MO 65102-0690
Correspondence with fees:
PO Box 4001
Jefferson City, MO 65102-4001
Main Office Phone Number: (573) 751-4126
Map to Office
