Minimum Car Insurance in Missouri
The liability limits Missouri requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Missouri requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. RSMo §303.190; §379.203; §303.025.2
| Minimum coverage required | Missouri requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Every auto liability policy for a vehicle registered or principally garaged in Missouri must also include uninsured motorist coverage at no less than the 25/50 bodily injury limits. Owners may also maintain financial responsibility in another manner allowed by section 303.160 (such as a bond or deposit) instead of a policy. UM requirement: https://revisor.mo.gov/main/OneSection.aspx?section=379.203 ; alternatives: https://revisor.mo.gov/main/OneSection.aspx?section=303.025 |
|---|---|
| At-fault or no-fault | Missouri uses a fault-based system: the driver at fault pays for damages through liability coverage. If you are at fault for an accident and do not pay for the damages, your driver's license and/or license plates will be suspended for one year unless you settle the loss and pay a $20 reinstatement fee. |
| Uninsured motorist coverage | Uninsured motorist coverage is required: no auto liability policy may be issued for a vehicle registered or principally garaged in Missouri unless it includes UM coverage of at least the 25/50 bodily injury minimums, which also covers hit-and-run drivers who cannot be identified. For commercial vehicles and employers with fleets of five or more passenger vehicles, the coverage need only be offered. The statute section reviewed does not state whether underinsured motorist coverage must be offered. Source: RSMo §379.203.1 |
More Missouri car insurance & vehicle laws
- Driving Without Insurance in Missouri
- SR-22 Insurance in Missouri
- When a Car Is a Total Loss in Missouri
- Transferring a Car Title in Missouri
- All Missouri car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Missouri?
Missouri requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Every auto liability policy for a vehicle registered or principally garaged in Missouri must also include uninsured motorist coverage at no less than the 25/50 bodily injury limits. Owners may also maintain financial responsibility in another manner allowed by section 303.160 (such as a bond or deposit) instead of a policy.
Is Missouri a no-fault car insurance state?
Missouri uses a fault-based system: the driver at fault pays for damages through liability coverage. If you are at fault for an accident and do not pay for the damages, your driver's license and/or license plates will be suspended for one year unless you settle the loss and pay a $20 reinstatement fee.
Is uninsured motorist coverage required in Missouri?
Uninsured motorist coverage is required: no auto liability policy may be issued for a vehicle registered or principally garaged in Missouri unless it includes UM coverage of at least the 25/50 bodily injury minimums, which also covers hit-and-run drivers who cannot be identified. For commercial vehicles and employers with fleets of five or more passenger vehicles, the coverage need only be offered.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.