Motorcycle Insurance Minimum Requirements in Missouri

Missouri Insurance Requirements for Motorcycles

The bare minimum amounts of insurance you must get are:

• $25,0000/person for bodily injury or death

• $50,000/accident for bodily injury or death

• $10,000/accident for property damage

It is not uncommon to need more than this. Many more types of coverage are available; read up on them before you start shopping.

How Coverage Affects Helmet Requirements

Everyone has to wear a helmet while on a motorcycle. This does not affect insurance premiums.

Proof of Insurance and Financial Responsibility

Now that you purchased insurance, you must make sure to always have proof of a current policy with you.

Possibilities are:

• An insurance card or copy. The insurers will send you a new one before the old one expires. This is what most people use.

• If you haven’t received an insurance card yet, the receipt with all your information on it will suffice.

• A Self-Insured card from the Driver and Vehicle Services Bureau (dealers only).

• If you filed a bond or certificate of deposit, a Financial Responsibility ID card from the Driver and Vehicle Services Bureau.

Also, when you register the motorcycle, the DOR will have you sign an affidavit swearing that you will maintain insurance while the motorcycle is registered.

Penalties for Failure to Maintain Financial Responsibility

Driving around with no proof of insurance can get you into lots of trouble. You could get:

• A supervision order, letting the state monitor you.

• Four points on your driving record.

• License suspension.

And driving with no insurance at all means:

• Automatic license suspension and fees.

• Filing a Form SR-22 for three years, if you're in an accident.