Car Insurance in Missouri
1. FAST 2. COMPARE 3. $AVE Fill out a quote form about you and your vehicles Instantly get free quotes from top car insurance companies Choose from the lowest rate policies and save hundreds
Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.
Missouri Car Insurance
Missouri law requires that every driver have a reliable method of paying for the costs of damage or injury to another driver after a car accident.
Most drivers choose to fulfill this requirement by purchasing the minimum required liability car insurance.
Read below to learn more about Missouri car insurance laws, policy considerations, and insurance violations.
Car Insurance Requirements in Missouri
All Missouri drivers are required to purchase and maintain the following minimum amounts of liability coverage:
- $25,000 for bodily injury, per person.
- $50,000 for total bodily injury (when multiple people are injured).
- $10,000 for total property damage.
Uninsured Motorist Coverage
Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage.
You are not required to have uninsured motorist coverage for property damage.
Alternative Ways to Comply
While holding car insurance is the most common method for complying with Missouri’s car insurance laws, you can also meet the legal requirements by submitting one of the following to the Department of Revenue (DOR):
- Proof of financial responsibility for damages you might cause in an accident. The following items are accepted by the DOR as proof:
- Surety bond.
- Real estate bond.
- Cash deposit (or deposit of negotiable securities, such as stocks, bonds, etc.).
- Certificate of self-insurance.
- This option is only available to businesses and religious organizations.
Optional Car Insurance
Accidents can be extremely costly, and you might find that the minimum car insurance limits Missouri requires don’t adequately cover the damages. The following types of optional coverage will afford you additional protection:
- Comprehensive – Helps cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire.
- Collision – Pays for damages to your vehicle after a collision with another car or object.
- Medical payments – Will help you pay your accident-related medical bills.
- Rental car reimbursement.
- Emergency roadside assistance.
Proof of Insurance
You must be able to show proof of Missouri car insurance when:
In addition, you must always have proof of insurance in your vehicle.
Penalties for Failure to Show Proof
You may be asked for your proof of insurance during a traffic stop or after an accident; if you cannot show it, you (and the vehicle owner, if different) are subject to a ticket.
The officer will also notify the DOR that you were driving without insurance.
NOTE: At any time, the DOR may request that you show proof of insurance. If you cannot show it, your license will be suspended.
Insurance Violations in Missouri
Driving uninsured is illegal. If you are stopped by an officer and can’t show proof of car insurance, you are subject to a ticket (see above).
However, you are also subject to the following additional penalties:
- Assessment of 4 points on your Missouri driving record.
- NOTE: Your license is suspended when you reach 8 points in 18 months.
- Issuance of an order of supervision.
- This means your insurance status will be monitored by the Driver License Bureau to ensure you are maintaining the minimum MO car insurance coverage amounts.
- Suspension of your driver’s license.
Failing to purchase or maintain the minimum amounts of car insurance in Missouri can have serious consequences. Your driver’s license can be suspended for up to 1 year, depending on how many suspensions you’ve had.
After an insurance-related suspension, you can only reinstate your license by:
- Showing proof of insurance.
- You must file this proof with the DOR and maintain it for a full 3 years from the effective end date of your suspension.
- If you fail to maintain your car insurance, your license and/or plates will be suspended again.
- If an accident was involved, you’ll have to file an SR-22 (see below).
- Paying the applicable fee.
- Fees range from $20 to $400, based on the number of suspensions.
If you’re in an accident and your driver’s license is subsequently suspended for not having insurance at the time, the same reinstatement requirements will apply (see above); however, instead of showing an insurance card as proof of insurance, you will need to file an SR-22.
An SR-22 is not insurance, but rather a form certifying that you will hold the required insurance for a specific time period. In this case, you would need to hold the SR-22 for 3 years.
For more information, please visit our SR-22 Form page.
Insurance Policy Cancellations
If you’ve held your insurance policy for at least 60 days, you are guaranteed that your insurance company won’t cancel your policy for at least 1 year, EXCEPT if:
- Your license has been suspended.
- Note: Your policy cannot be canceled for this reason if multiple people are insured on the policy.
- You haven’t paid your premium.
If your policy will be canceled, you are legally entitled to 30 days written notice.
Missouri Automobile Insurance Plan
In some situations, you might be denied car insurance. This typically happens when you have a history of multiple claims or a poor driving record – both of which raise the insurance company’s risk of insuring you.
If you are denied car insurance in Missouri, you’ll be sent a written explanation, which will include details on how to apply for insurance through the Missouri Automobile Insurance Plan.
This plan provides coverage to those drivers who are unable to obtain coverage on the standard market. Premiums tend to be much higher when using this avenue, so be sure to exhaust your options with private companies before applying.
Questions and Concerns
Auto insurance can be hard to navigate. For this reason, the Missouri Department of Insurance’s Division of Consumer Affairs has provided a hotline for consumers.
You can call (800) 726-7390 between 8 a.m. and 5 p.m. on weekdays to get information and/or discuss issues and concerns.
Filing a Complaint
If you are unable to resolve a matter with your insurance company and need the Department’s help, you can file a complaint:
- By mail or fax. Download and complete the Consumer Complaint Form.
- Mail to the address on the form.
- Fax to (573) 526-4898.
- Mail to the address on the form.
Determining Your MO Car Insurance Rates
When comparison-shopping for car insurance in Missouri, remember that many factors will affect your premium. However, the amount of weight certain factors are given will likely vary by provider.
Insurance companies typically use the following to set your rates:
- Your car’s:
- Your age.
- Your gender.
- Your credit history.
- The primary location where the vehicle is parked.
- How the vehicle is used.
- Your driving record.
- Your deductibles.
- Higher deductibles mean lower premiums.
- How much coverage you purchase.
Auto Insurance Discounts
Discounts can be a great way to save money on car insurance. When shopping around, make sure you ask about any discounts that might apply to you. Common discounts provided by car insurance companies include:
- Transfer (switching providers).
- Automatic payment.
- Good student.
While discounts can help you get a cheaper auto insurance quote, the absolute best way to save money when you buy car insurance in Missouri is to drive safely, avoid accidents, and keep a clean driving record.Choose a State:
Local Auto Insurance
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
Choose a County
- Cape Girardeau
Insurance Resource Center
- New Madrid
- Shop For Insurance Online
- Insurance State Requirements
Auto Insurance Center
- Auto Insurance Policy Basics
- Top Reasons To Buy Insurance Coverage
- Auto Insurance Minimum Requirements
- Buying Car Insurance Basics
- Buying Car Insurance For Teens
- Teen Guide To Car Insurance
- How To Get Car Insurance Coverage With A Learners Permit
- First Time Drivers Guide To Car Insurance
- How To Save Money On Teen Car Insurance
- Common Driving Mistakes Teens Make
- Safe Driving Tips For Teenage Drivers
- Safe Cars For Teen Drivers
- How To Add Teens To Your Auto Insurance Policy
- Tips for Car Insurance Policy Holders
- Types Of Auto Insurance Coverage
- Buying Car Insurance For Seniors
- Senior Guide To Car Insurance
- Extended Insurance Coverage Guide
- How To Get The Most Out Of Your Auto Insurance Coverage
- When To Buy Rental Car Insurance
- How To Cover Vandalism Through Car Insurance
- How To Cover Auto Theft Through Car Insurance
- How To Cover Windshield Repair Through Car Insurance
- How To Cover Accidents With Wildlife Through Car Insurance
- How To Cover Lost Wages Through Car Insurance
- How To Cover Medical Expenses Through Car Insurance
- How To Cover Pet Injuries Through Car Insurance
- How To Avoid Auto Insurance Non Renewal
Commercial Auto Insurance
- Commercial Auto Insurance Requirements
- Commercial Auto Insurance State Requirements
- Federal Motor Carrier Insurance
- CDL Federal Requirements
- Commercial Insurance Filing
- State Commercial Insurance Filings
- Federal Truck Filings
- Intrastate Truck Filings
- Interstate Transportation Filings
- Certificate Of Insurance
- Uniform Carrier Registration Plan
- Types Of Commercial Auto Insurance
- Commercial Vehicle Insurance Discounts
- Multiple Policy Discount For Commercial Vehicles
- Paid In Full Commercial Vehicle Insurance Discount
- Commercial Business Experience Discount
- Commercial Auto Insurance Quotes
- Commercial Auto Insurance Articles
- Who Needs Commercial Auto Insurance
- Types Of Commercial Vehicles To Insure
- How To Save Money On Commercial Auto Insurance
- What You Need For A Commercial Insurance Quote
- Types Of Business Vehicle Insurance
- How To Compare Commercial Insurance Quotes
- How To Get The Most Out Of Your Commercial Auto Insurance Coverage
- Types Of Commercial Trailers To Insure
- Motorcycle Insurance Minimum Requirements
- Types Of Motorcycle Coverage
- Accessory Coverage For Motorcycles
- Comprehensive Physical Damage Insurance For Motorcycles
- Collision Insurance For Motorcycles
- Bodily Injury Liability Insurance For Motorcycles
- Property Damage Liability Insurance For Motorcycles
- Medical Payments Insurance For Motorcycle Riders
- Personal Injury Protection Insurance For Motorcyclists
- Uninsured Motorist Coverage For Motorcyclists
- Underinsured Motorist Coverage For Motorcyclists
- Motorcycle Roadside Assistance
- Motorcycle Insurance Quotes
- Motorcycle Insurance Rates
- Motorcycle Insurance Discounts
- Online Motorcycle Insurance
- Motorcycle Insurance Articles
- Motocross Insurance
- Dirt Bike Insurance
- Moped Insurance
- Trike Insurance
- Scooter Insurance
Auto Insurance Policy Basics
- Auto Insurance Deductible
- Auto Insurance Limit
- Auto Insurance Premium
- Auto Insurance Quote
- Auto Insurance Rates
- Motor Vehicle Report
- Proof Of Financial Responsibility
- Auto Insurance Endorsement
- Auto Insurance Exclusion
- Auto Insurance Rating
- Auto Insurance Code
- Auto Insurance Discounts
- How To Obtain Proof Of Insurance
- How To Change Auto Insurance Providers
- Factors That Affect Insurance Rates
- How To Cancel An Auto Insurance Policy
- When An Accident Happens
- Accident Loss
- Auto Accident Payment Recovery
- Total Loss
- Proof of Loss
- Actual Cash Value
- Lost Wages
- Salvage Vehicles
- How To File An Accident Report With The Police
- Evaluating Personal Injury In Auto Accidents
- First Steps Following A Personal Injury Auto Accident
- When To Seek Medical Attention For Personal Injury
- Protection Against Auto Insurance Fraud
- How To Handle Staged Car Accidents
- Types of Insurance Claims
- Bodily Injury Claims
- Property Damage Claims
- Windshield Claims
- Third Party Insurance Claims
- About Car Insurance Claims
- How Car Insurance Claims Affect Your Auto Insurance Policy
- When To Cover Personal Injury With Auto Insurance
- How Much Personal Injury Protection To Buy
- Supplementing Health Insurance With Personal Injury Protection
- Pain And Suffering In Personal Injury Claims
- Statute Of Limitations And Personal Injury
- Negligence And Determining Legal Liability
- Auto Insurance Claim Settlements
- Auto Insurance Settlements Involving Personal Injury
- Proving Fault In An Auto Accident Personal Injury Case
- Compensation For Auto Accident Personal Injury Claims
- Tips For Settling A Motor Vehicle Accident Claim
- Factors That Affect Compensation In Personal Injury Claims
- Legal Representation For Insurance Claims
- When To Hire A Personal Injury Attorney
- When To Hire A Lawyer
- Personal Injury Attorney Fees
- How To Choose Personal Injury Lawyers
- Benefits of Hiring A Personal Injury Attorney
- What To Submit To A Personal Injury Attorney
- Processing Car Insurance Claims
- How Car Insurance Companies Handle Claims
- How Car Insurance Companies Investigate Accident Claims
- How To Document Auto Accident Damage
- When To Report An Auto Accident To The DMV
- Tips On Documenting Personal Injury Expenses
- Paying Medical Bills Before Receiving Personal Injury Compensation
- Wage Loss In Personal Injury Auto Accident Cases
- How To File A Loss Of Wages Auto Claim
- Stages Of A Personal Injury Case
- Filing Car Insurance Claims