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Insurance Center
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Even the most cautious driver can still be involved in an accident. That's why the Missouri Department of Revenue (DOR) requires all residents who wish to register vehicles to present proof of financial responsibility.
Acceptable documentation includes the following:
- A current insurance identification card that contains the name and address of the company providing the policy, your name, the policy number, the effective dates of coverage, and a description of the vehicle being insured.
- A motor vehicle liability insurance policy, insurance binder, or receipt indicating policy information.
- A self-insured identification card that has been issued by Missouri's DOR.
- A financial responsibility identification card that has been issued by Missouri's DOR.
Missouri's minimum requirements for vehicle insurance are:
- Liability
- $25,000 per person for bodily injury
- $50,000 for bodily injury per accident
- $10,000 property damage per accident
- Uninsured Motorist Coverage
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
These are just the minimum amounts required by law; your needs may be greater. Many drivers also purchase optional collision and comprehensive coverage for their vehicles.
Provided you meet certain requirements, instead of liability insurance you can file a surety bond or other types of securities, a real estate bond, or you can self-insure. To learn more about Missouri's mandatory insurance requirements, please visit the Missouri DOR's Web site.
Suspension for Failure to Maintain Insurance
The MO DOR may suspend your driving privileges for up to one year if you fail to maintain a valid auto insurance policy for your vehicle. To get your license back after a suspension, you'll need to pay a reinstatement fee and provide proof of a valid insurance policy for three years following the date of the suspension.
SR-22 Filing
An SR-22 is a form that your insurance company must submit to the Missouri Department of Revenue's Motor Vehicle Bureau to prove that you have a valid auto insurance policy. This form is typically required for drivers who have had their licenses suspended as the result of a DWI conviction or involvement in a motor vehicle accident.
