Focus Insurance is licensed in Eureka, Missouri , a suburb of St. Louis, as well as 38 other states across the United States. We offer auto insurance in a variety of coverage amounts to ensure our clients getting the best coverage at the best premium.
In the state of Missouri, if you drive an automobile, you must have a reliable way to pay for any costs resulting from an accident. Just about everyone uses auto insurance to do this, but there are two other ways to do so: submit a proof of financial responsibility (such as a bond or cash deposit), or a certificate of self-insurance (but only businesses and religious organizations can get these). So, no, insurance isn't technically required, but as very few have access to these alternative methods, it is practically required.
Missouri has minimum liability coverage amounts that are required, dollar amounts for bodily injury (individual), total bodily injury (more than one person is injured), and total property damage. The state also demands that drivers carry uninsured motorist coverage for bodily injury, and this coverage must be at the same level as the driver's liability coverage.
These minimum levels are what you need to comply with Missouri state law, but many drivers elect to have more than minimum coverage. The ideal amount varies based on many factors, from the value of a driver's vehicle(s) to the amount budgeted for premiums. If you're unsure what the right level is for you, our expert agents can help.
If you're a Missouri resident and need auto insurance for yourself, your family, or your business, call or stop by the Focus Insurance office in Eureka, MO today. A qualified agent is standing by to help you craft a customized insurance plan that perfectly meets your auto insurance needs.
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