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Missouri Car Insurance Information

Requirement : Yes

Car insurance is required in Missouri . Drivers must have a minimum of liability, and uninsured motorist coverage. Missouri drivers are required to have insurance to register a vehicle.

Minimum Coverage Car Insurance Requirements:

A minimum liability, and uninsured motorist coverage is required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.
  • Uninsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident

Other Car Insurance Coverage Options:

Liability, and uninsured motorist coverage are the only requirements for Missouri motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental Reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Medical Payments – Helps cover your medical or funeral costs due to an accident.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:

    • $60,000 cash or securities deposit with the state comptroller.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times, you don’t have to have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.

  • Valid forms of proof of insurance:
    • Insurance card.
    • Copy of insurance card.
    • Letter from insurance carrier.
    • Certification of financial responsibility.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • 4 points on your driver’s license.
      • Suspension of license if you reach 8 points within 18 months.
    • An order of supervision.
      • Insurance status will be monitored by the Driver License Bureau.
    • Suspension of your driver’s license.


A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.

You may be required to file an SR-22 if:

  • You’re involved in an accident and you’re license is subsequently suspended for not having insurance.

Credit Scores & Determining Your Insurance Premium :

All Missouri drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.


Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Year, make, model of car
  • Neighborhood or city of residence
  • Primary use of vehicle
  • Deductible

Discounts : Yes

Discounts available in Missouri:

  • Preferred payment discount
  • Good student discount
  • Homeowner discount
  • Paid-in-full discount
  • Provider switch discount
  • Multi-car discount
  • Multi-policy discount

Cellphone Use:

There is currently no cell phone ban for drivers. Drivers under the age of 21 years old are banned from texting while driving. Texting violations are considered primary offenses.

Missouri Minimum Coverage Laws

Carriers in Missouri

Full Insurance Laws for Missouri