What is an owner insurance policy?

An owner insurance policy is available to anyone age 16 or older in Children’s Division custody who owns a car. This policy allows you to purchase your own automobile policy without a co-signer.

If you have your license but you do not own your own vehicle, you may consider looking into a non-owner auto insurance policy.

What is the cost?

The cost will depend on your level of coverage. Some companies offer a discount for students who maintain a “B” grade point average or better, so be sure to ask about this and have your most recent report card available. You can also ask your insurance agent if they offer a payment plan.

The Department of Insurance has an automobile consumer guide that helps explain insurance terms, your financial responsibility when operating a vehicle, and what to do in case you have an accident. You can request a hard copy of this information by calling 800-726-7390 and pressing “6.”

How do I apply?

To apply for auto insurance, you will need:

  • Your drivers license
  • The age, make and model of your car
  • Your vehicle identification number (VIN)
  • A consent letter from your case manager

Next you will need to contact a licensed agent in Missouri. They should be able to guide you through the process and help decide which level of coverage is right for you.
If your agent has a hard time finding a company that will insure you, coverage is available through the Missouri Automobile Insurance Plan (AIPSO). Any insurance agent who is licensed to write auto insurance in Missouri can contact AIPSO. If you need help finding an agent, you can also contact the AIPSO Plan at 888-424-0026 for a list of agents in your area.