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St. Louis, Missouri Auto, SR-22, Home, Renters & Motorcycle Insurance

St. Louis, the Gateway to the West. For generations, this city on the Mississippi river has served as a crossroads of America. Today, the city remains a major center for commerce and economic development. This has led to a large population and a crowded interstate traffic system.

Given that this is such a busy, diverse area, St. Louis drivers must take extra precautions when hitting the road. They need auto insurance that will comprehensively address their driving risks. That’s where Cloverleaf Insurance comes in. When you work with us, we can help you get the best insurance policy specific to the risks you face as a St. Louis resident.

How We Can Help St. Louis Residents

Cloverleaf Insurance is a Missouri-based agency, and has served the Show Me State for nearly 30 years. We know that no matter where you live, your driving risks are unique.

Therefore, we will help you get coverage specific to your risks. Our agency works with multiple insurance providers. This helps us get you the most affordable prices for your policy. We will compare the policy options of different insurers to pinpoint a policy that meets your cost and coverage needs.

Insurance for St. Louis and Beyond

When driving in St. Louis, you may face enhanced driving risks. Therefore, you need auto insurance with adequate limits. You also have to keep in mind state laws that may influence how you have to buy coverage.

St. Louis lies on both the east and west banks of the Mississippi River. The city proper lies in Missouri, while it also has suburbs in Illinois. Depending on which side of the border you live on, you often have different insurance requirements.

Both Illinois and Missouri require their drivers to carry minimum levels of auto insurance. Cloverleaf Insurance can help residents of both states get their required coverage.

Missouri Insurance Requirements

Liability Coverage

  • $25,000 personal injury liability per person
  • $50,000 personal injury liability per accident
  • $10,000 liability coverage for property damage

Uninsured/Underinsured Coverage

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident

Illinois Insurance Requirements

  • $25,000 personal injury liability per person
  • $50,000 personal injury liability per accident
  • $20,000 liability coverage for property damage

When you buy your policy through Cloverleaf Insurance, we will make sure it contains your state’s mandatory coverage levels. But, we won’t stop there. We can tailor standard or non-standard policies to meet the needs of the driver and protect the vehicle.

You may find that the minimum liability requirements don’t provide adequate coverage for your needs. You may need to add comprehensive coverage, collision protection or higher liability limits to your minimum coverage. Our agents will work with you to determine how to best protect your vehicle.

Other Insurance Offerings

Some drivers need more than just standard auto insurance coverage. Different driving risks may mean they need additional protection. We offer multiple types of auto insurance, including:

  • Non-Owners Coverage
  • SR-22 Certificates
  • RV Insurance
  • Motorcycle Insurance

Tell your agent about your vehicle, and where and how you use it. We will help you find the appropriate protection.

Why Choose Us?

Cloverleaf Insurance is here to help you at all times. We make a point of providing fast, friendly service to all drivers. Our team will get you the most affordable policy on the market. We have a proven history of providing the best rates available.

Ready to get started? Get in touch with one of Cloverleaf Insurance's experienced agents today. You can start an online quote for free right now. Or call us at (800) 530-5822 for more information.

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