Missouri Car Insurance Regulations & Required Coverage

Missouri car insurance regulations follow a tort system and require drivers to carry uninsured/underinsured motorist and liability coverage. Under Missouri auto insurance law someone will be found at fault for causing an accident. The at-fault party and their insurance company are then responsible for repaying injured parties.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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Missouri is similar to other states that follow a tort system with the main difference that it also requires drivers to maintain uninsured / underinsured motorist coverage. A car insurance is the most popular way to maintain financial responsibility within the state, but there are other means available too. Review the current requirements for insurance and stay up to date on any changes to ensure you’re following the law.

Missouri insurance law was written in accordance with a tort system. In a state that follows the tort system, someone will be found at fault, or responsible for causing an accident. The at fault party along with their insurance company is then responsible for repaying expenses. The specifics of a tort system can vary by state.

Required Coverage

All personal vehicles in Missouri require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Also, the state requires:

  • Uninsured / Underinsured Bodily Injury
Minimum Missouri Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $25,000 Limit
Uninsured Bodily Injury $25,000 / $50,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Comprehensive insurance covers non-collision related incidents such as damage to your vehicle from a flood or having your car stolen. The most stolen vehicles in Missouri are listed to see if your vehicle is at risk. Collision will pay for repairs or even replacement of your vehicle if it is damaged in an accident.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy
  • Self insurance
  • Surety bond, cash deposit or securities worth $60,000 filed with the Department of Revenue
  • File a real estate bond with the Department of Revenue

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Actual insurance policy or binder
  • Receipt of insurance policy with your name, vehicle information and policy number printed on it
  • Self insurance card
  • Financial responsibility card from the Driver and Vehicle Services Bureau

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • When registering or renewing your vehicle’s registration
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance, you can face the following penalties:

  • Suspension of your license and/or vehicle registration for up to 1 year depending if it is a first, second or third offense
  • Reinstatement fees of $20 for first offense, $200 for second offense and $400 for subsequent offenses
  • Requirement to maintain an SR-22 for 3 years if found to not have insurance when involved in an accident
  • 4 points added to your license
  • Monitoring by the Driver License Bureau to ensure the driver maintains insurance

Missouri Insurance Agents

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