Auto Insurance Requirements in Missouri for 2025 (Minimum Coverage for MO Drivers)
Auto insurance requirements in Missouri include the state’s minimum liability limits of 25/50/25 and required uninsured motorist coverage of 25/50. Drivers must follow Missouri auto insurance laws to avoid penalties like fines, license suspension, and registration loss.
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UPDATED: Apr 27, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 27, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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Every MO driver must understand auto insurance requirements in Missouri, as the law requires them to carry liability insurance to cover damages or injuries if they cause an accident.
Missouri law requires drivers to carry a minimum amount of car insurance that covers both bodily injury and property damage. These required limits offer basic protection, but many drivers choose higher coverage to provide stronger financial protection in the event of a serious accident.
Failing to comply with these regulations can result in severe penalties, including fines, license suspension, and vehicle registration suspension. It’s crucial to know what coverage is required and consider options that best fit your needs.
Missouri Minimum Car Insurance Coverage Requirements & Limits| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Explore the details of Missouri auto insurance laws and how they apply to you. Enter your ZIP code for more information on local rates and coverage options.
- Missouri requires 25/50/25 in liability coverage
- Uninsured drivers face fines, license suspension, and legal penalties
- Compare quotes to find the cheapest coverage while staying compliant
Staying informed about Missouri’s car insurance laws helps you drive with confidence and peace of mind. Choose coverage that meets Missouri auto insurance requirements and keeps you protected on the road.
MO Minimum Coverage Requirements & What They Cover
To drive legally in Missouri, you must meet the state’s specific insurance requirements. Knowing what’s required helps you stay within the law and protects you financially if you’re ever involved in an accident.
The minimum car insurance in Missouri includes the following:
- Liability Coverage:
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $25,000 for property damage.
This minimum liability auto insurance in MO protects other drivers if you’re found at fault in an accident. However, it does not cover your own injuries or vehicle damage.
- Uninsured Motorist Coverage:
- $25,000 per person and $50,000 per accident for bodily injury.
According to Missouri uninsured motorist laws, this coverage ensures you’re protected if the at-fault driver lacks insurance.
Missouri Min. Coverage Car Insurance Monthly Rates by City| City | Rates |
|---|---|
| Columbia | $72 |
| Florissant | $78 |
| Independence | $76 |
| Jefferson City | $70 |
| Joplin | $73 |
| Kansas City | $85 |
| Lee's Summit | $80 |
| O'Fallon | $74 |
| Springfield | $71 |
| St. Charles | $79 |
| St. Joseph | $77 |
| St. Louis | $90 |
| St. Peters | $75 |
These limits represent the Missouri state minimum auto insurance, but drivers often increase coverage to avoid high out-of-pocket expenses. Check out cheap car insurance in Missouri to compare affordable full coverage options.
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Cheapest Car Insurance in Missouri
Finding cheap car insurance in Missouri doesn’t mean sacrificing quality. Companies like Geico, State Farm, and USAA consistently offer some of the lowest car insurance rates in Missouri, especially for safe drivers and those who bundle policies.
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13,283 reviewsGeico offers some of the lowest monthly premiums in Missouri and provides a variety of discounts, making it a top choice for drivers who want affordable car insurance without sacrificing necessary coverage.
With its competitive rates and discounts, Geico helps drivers stay protected while keeping costs low.
Penalties for Driving Without Insurance in Missouri
You could face some serious consequences if you’re caught driving without insurance in Missouri.
Here’s a look at the penalties you might encounter.
- Fines: You may face a fine of up to $500.
- License Suspension: The state may suspend your driver’s license until proof of coverage is shown.
- SR-22 Requirement: Reinstatement often requires filing an SR-22 certificate, proving financial responsibility.
- Repeat Offenses: Can result in higher fines, longer suspensions, and possible jail time.
Understanding the penalty for driving without insurance in Missouri helps you avoid unnecessary trouble. Always maintain an active policy that meets Missouri insurance requirements.
Learn More: What happens if you get caught driving without insurance?
Other Coverage Options to Consider in MO
Beyond the Missouri auto insurance minimums, many drivers opt for additional protection. Here are some extra policies to consider:
- Collision Coverage: Pays for your vehicle repairs after a crash, regardless of fault. See our list of the 10 Best Car Insurance Companies for Collision Coverage to find top-rated options.
- Comprehensive Coverage: Covers damage from theft, weather, vandalism, or animal-related incidents. Explore the 10 Best Auto Insurance Companies for Comprehensive Coverage to protect against unexpected events.
- Gap Insurance: Covers the difference between what your car is worth and what you owe if totaled. Discover the Best Gap Insurance Coverage options for full financial protection.
- Medical Payments Coverage: Helps cover your medical expenses after an accident. Check out the Best Auto Insurance for Medical Payments Coverage to ensure you’re protected from out-of-pocket costs.
- Underinsured Motorist Coverage: Essential in Missouri, where some drivers carry only minimum coverage that may not be enough to cover your losses. Check out “Best Uninsured and Underinsured Motorist Coverage” for tips on choosing the right protection against underinsured drivers.
Watch this quick video to understand why full coverage might be the right choice for you:
If you’re asking what full coverage insurance is in Missouri, it typically includes liability, uninsured/underinsured motorist, comprehensive, and collision policies.
Read More: How do I know if I chose the right coverages?
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Missouri Car Insurance Made Simple
Understanding Missouri minimum car insurance requirements and how Missouri car insurance laws apply to your driving situation is key to avoiding fines and protecting your finances.
Jeffrey Johnson Insurance Lawyer
Always choose a policy that exceeds the Missouri minimum insurance requirements when possible, especially if you’re concerned about future claims or vehicle repairs.
For more on saving money while staying protected, enter your ZIP code to find the best car insurance after an accident in Missouri.
Frequently Asked Questions
What is the minimum auto insurance coverage in Missouri?
Missouri minimum car insurance includes $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage. Uninsured motorist coverage of $25,000/$50,000 is also required.
How much is car insurance in Missouri?
What is the average cost of auto insurance in Missouri? The average Missouri car insurance cost is around $1,500 per year, though rates vary based on driving history, vehicle type, and coverage level.
Check out “Get Low-Cost Car Insurance with Driver Discounts” to boost your savings.
Do you have to have car insurance in Missouri?
Yes, Missouri car insurance requirements mandate that all drivers carry at least the state’s minimum liability insurance and uninsured motorist coverage.
What does liability car insurance in Missouri cover?
Missouri liability insurance pays for injuries and property damage you cause to others in an accident. It does not cover your own vehicle or medical costs.
Read More: Fault and No-Fault Car Accidents
What are Missouri’s auto insurance limits?
The mandatory Missouri auto insurance limits are 25/50/25 for liability and 25/50 for uninsured motorist coverage.
When did car insurance become mandatory in Missouri?
Car insurance became mandatory in Missouri in 1986, requiring liability coverage for all registered vehicles.
What is Missouri’s car insurance law on uninsured drivers?
Missouri car insurance law requires uninsured motorist coverage to protect drivers if the at-fault party lacks insurance.
Do you need insurance to register a car in Missouri?
Yes, you must show proof of Missouri car insurance to register a vehicle with the DMV.
How do Missouri car insurance claim laws work?
Under Missouri car insurance claim laws, the state follows a fault-based system, meaning the at-fault driver’s insurance pays for damages. Learn how to file a car accident claim to ensure you’re properly compensated.
Missouri minimum auto insurance offers basic protection for other parties but may leave you vulnerable to out-of-pocket costs in serious accidents.
What is Missouri liability insurance?
Missouri liability insurance refers to the required coverage for bodily injury and property damage you may cause to others in an accident. Learn how to negotiate a bodily injury settlement to ensure you get a fair payout for your injuries.
What does Missouri car insurance coverage include?
Coverage can include liability, uninsured/underinsured motorist, comprehensive, collision, medical payments, and more, depending on your policy.
What is the cheapest car insurance in Missouri?
The cheapest car insurance in Missouri is often offered by providers like State Farm, Geico, and Progressive, especially for drivers with clean records.
Who offers the cheapest full coverage car insurance in Missouri?
Companies like Geico and State Farm are known to offer the cheapest full coverage car insurance in Missouri for many drivers.
What are Missouri DMV proof of insurance requirements?
The Missouri DMV requires you to show proof of insurance when registering a vehicle or renewing plates. Accepted documents include an ID card, binder, or declarations page.
What is uninsured motorist coverage in Missouri?
Uninsured motorist coverage in Missouri pays for your medical expenses if you’re hit by a driver without insurance. It is required by law. Enter your ZIP code to compare local uninsured motorist coverage options and rates.
What is Missouri’s Romeo and Juliet law?
What are Romeo and Juliet laws? Missouri’s Romeo and Juliet law allows certain exemptions in statutory rape cases when both parties are close in age. It’s unrelated to Missouri car insurance laws.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.