Prefer email? Send your questions to quote@hiltinsurance.com.
Hilt Brothers Agency – Allstate is based in Gladstone, in the Kansas City Northland, and our NKC office, Hilt Group Agency – Allstate, is in North Kansas City. We help Missouri drivers, homeowners, renters and families with Allstate auto, home, renters, landlord, life, boat and motorcycle insurance anywhere in the state. If you’re in St. Louis, Springfield, Columbia or a small town hours from Kansas City, we can handle your quote and your policy by phone, email and online.
Missouri Auto Insurance Rules
Missouri law sets the minimum auto liability limits in RSMo 303.190 and requires uninsured motorist coverage in RSMo 379.203. According to the Missouri Department of Revenue (DOR), every vehicle you own or drive needs at least:
- $25,000 per person and $50,000 per accident for bodily injury liability
- $25,000 per accident for property damage liability
- Uninsured motorist coverage of $25,000 per person and $50,000 per accident for bodily injury
You have to keep proof of insurance in the vehicle at all times. DOR says that if you’re convicted of failing to show proof, four points go on your driving record, and eight points within 18 months can cost you your driving privilege. Insurance companies report the vehicles they insure to the state’s electronic verification system (MOIVS), and DOR can ask you for proof of insurance at any time.
If you’ve been told you need an SR-22, our Missouri SR-22 guide explains how long you’ll need it. For a full rundown of the rules, see our Missouri car insurance requirements FAQ, and read our blog post on whether the minimums are enough.
What Car Insurance Costs in Missouri
According to the National Association of Insurance Commissioners (NAIC), Missouri’s average auto insurance expenditure in 2023 was $1,154.78 per insured vehicle, compared with $1,281.92 for the U.S. as a whole. That’s an average across every driver and coverage mix, not a quote. Our Missouri car insurance cost guide explains what drives your own price.
Missouri Weather and Your Home
Missouri gets its share of hail, high winds and tornadoes. According to the Missouri Department of Commerce and Insurance (DCI), most standard homeowners policies cover damage from fire, lightning, wind and hail, but flood and earthquake damage usually aren’t covered and must be bought separately. DCI also reminds homeowners that deductibles can change at renewal and that some policies have separate deductibles for different types of loss. Our hail and wind deductible guide walks through how that works.
If you’re bundling home and auto, we can review both policies together.
Missouri Communities We Serve
We work with customers all over Missouri, including:
- Clay County: Gladstone, North Kansas City, Liberty, Kearney and Smithville
- Platte County: Parkville, Riverside and Platte City
- Kansas City: auto and home insurance across the city
- St. Louis: auto and home insurance in the St. Louis area
- Everywhere else in Missouri, from the Lake of the Ozarks to the Bootheel
Our agents are licensed in Missouri and Kansas, and our North Kansas City office is also licensed in Iowa. That helps if your family, work or property crosses a state line.
Our Two Offices
Main office: Gladstone
Hilt Brothers Agency – Allstate
6812 N Oak Trafficway, Unit 3, Gladstone, MO 64118
Phone: 816-420-0502
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NKC office: North Kansas City
Hilt Group Agency – Allstate (agent Eric Hilt)
315 E 18th Ave, North Kansas City, MO 64116
Phone: 816-605-7684
View on Google Maps
Coverage We Can Help With
- Auto: Auto Insurance · Gladstone auto quotes · Kansas City auto quotes
- Home: Home Insurance · Kansas City home quotes
- Renters and landlord: Renters quotes · Landlord quotes
- Life: Life Insurance
- Boat and motorcycle: Boat quotes · Motorcycle quotes
Prefer email? Send your questions to quote@hiltinsurance.com.
Frequently Asked Questions
Do you only serve the Kansas City area?
No. Our offices are in Gladstone and North Kansas City, but we help customers anywhere in Missouri and Kansas. Iowa customers are served by our North Kansas City office, whose agents are licensed in Iowa. Most quotes and policy changes can be handled by phone, email or online.
What auto insurance does Missouri require?
According to the Missouri Department of Revenue, you need at least $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
Does Missouri homeowners insurance cover flood or earthquake?
Usually not. The Missouri Department of Commerce and Insurance says most standard homeowners policies cover fire, lightning, wind and hail, but flood and earthquake damage are not typically covered and must be purchased separately.
Where are your offices?
Our main office is Hilt Brothers Agency – Allstate, 6812 N Oak Trafficway, Unit 3, Gladstone, MO 64118 (816-420-0502). Our NKC office is Hilt Group Agency – Allstate, with agent Eric Hilt, at 315 E 18th Ave, North Kansas City, MO 64116 (816-605-7684).
Sources: Missouri Department of Revenue, Insurance Information; RSMo 303.190 and 379.203; Missouri DCI severe-weather guidance; NAIC Auto Insurance Database data as published by the Insurance Information Institute. Information is general and current as of October 2026. It isn’t a quote or a guarantee of coverage, discounts or approval.
