State guide
Insurance in Missouri
Required coverage, penalties, official contacts and sources for Missouri, reviewed 2026-10.
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Car insurance
What Missouri requires.
Liability 25/50/25 plus uninsured motorist. Claims system: fault-based claims.
| Coverage | Requirement in Missouri |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident required |
Required coverage
- Bodily injury: at least $25,000 per person and $50,000 per accident
- Property damage: at least $25,000 per accident
- Uninsured motorist coverage: $25,000 for bodily injury per person and $50,000 per accident
- Proof of insurance kept in your vehicle at all times
Other coverage commonly available
- Collision
- Comprehensive
- Underinsured motorist
- Medical payments
If you drive without required coverage
The Department of Revenue says that if a law enforcement officer asks for proof of insurance and you cannot show it, the officer may issue you a ticket. The Driver License Bureau can request proof of insurance at any time during registration, and if the owner cannot provide it, a driver license suspension is imposed.
Notices
What to know in Missouri.
- Missouri residents must show proof of insurance when registering a vehicle or renewing license plates, and must keep proof of insurance in the vehicle at all times.
- Instead of a liability policy, the Department of Revenue also accepts proof of financial responsibility filed with the Department, or a certificate of self-insurance for a company or religious organization.
- The Department of Revenue describes an SR-22 filing as the most commonly used proof of liability insurance in the situations that require one.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Department of Commerce and Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Department of Commerce and Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Missouri residents use the federal marketplace, HealthCare.gov. Missouri is not on CMS's list of state-based exchanges.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Missouri Department of Commerce and Insurance
- Website: insurance.mo.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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