Car insurance · Missouri
Car insurance requirements in Missouri
Liability 25/50/25 plus uninsured motorist. Claims system: fault-based claims.
Verified summaryAll Missouri insurance topics
Requirements
Minimum car insurance requirements in Missouri
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Missouri
Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident required.
Optional coverage
Coverage you can add in Missouri
- Collision
- Comprehensive
- Underinsured motorist
- Medical payments
Penalties
Penalties for driving without insurance in Missouri
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.
Good to know
Other things 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.
Contacts
Who to contact in Missouri
- 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.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Missouri.
Home insurance resources and the health marketplace for Missouri are on its overview page.