Missouri Minimum Auto Insurance Requirements (2024)
Missouri requires a minimum of 25/50/10 of bodily injury and property damage coverage. The average rate for auto insurance is 68.78/mo.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Buying auto insurance is not a legal requirement in Missouri, but it is one of the more common ways for drivers to prove financial responsibility
- Drivers who choose to buy car insurance in Missouri for this purpose need to obtain liability insurance and uninsured motorist insurance
- If you are caught driving without financial responsibility in Missouri, you may face numerous penalties
Most states have their own unique financial responsibility laws that drivers must comply with, and these laws generally make drivers financially liable for any damages they cause while driving.
Some states require drivers to buy a minimum amount of liability auto insurance in order to ensure their compliance with the financial responsibility law.
Missouri offers its drivers several choices for complying with this law.
For example, as a Missouri driver, you can provide a bond to the state or obtain a certificate of self-insurance.
However, the most common and perhaps the easiest way for drivers to comply with this law is to obtain a car insurance policy.
If you follow this route, bear in mind that you will need to obtain a minimum amount of specific types of coverage.
Compare car insurance quotes and options by using our free rate tool above. Enter your ZIP code to begin.
How to Read Car Insurance Requirements
Car insurance has numerous financial benefits, such as decreasing your expenses related to an accident and paying for your liability expenses. Each type of insurance offers unique benefits, and you can assign a coverage limit to each type of insurance that you buy.
With this in mind, a closer look at some of the more common types of insurance available to Missouri drivers is in order.
Missouri Auto Insurance Coverage
| Coverage | Description |
|---|---|
| Collision Coverage | Pays for damage to your vehicle after an accident, regardless of who is at fault |
| Comprehensive Coverage | Covers non-collision incidents, like theft, vandalism, or natural disasters |
| Gap Insurance | Pays the difference between the car's value and the amount still owed on a loan or lease |
| Liability Insurance | Covers damages or injuries to others when you're at fault in an accident |
| Medical Payments (MedPay) | Helps cover medical expenses for you and your passengers after an accident |
| Personal Injury Protection (PIP) | Covers medical expenses, lost wages, and other related costs after an accident |
| Rental Car Reimbursement | Covers rental car costs while your car is being repaired after a covered accident |
| Roadside Assistance | Provides towing and emergency services for breakdowns or accidents |
| Underinsured Motorist Coverage | Covers costs when the other driver's insurance is insufficient |
| Uninsured Motorist Coverage | Protects you if you're in an accident with an uninsured driver |
You can see that each coverage type has unique benefits. When you buy coverage in Missouri, you will need to specify the type of coverage you want to buy as well as the coverage limit for each type of insurance.
Remember that adding coverage types and increasing limits could increase your premium. However, this step could also decrease your personal expenses if you need to file a claim.
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Minimum Coverage for Missouri
Car insurance is not legally required for Missouri drivers, and you can choose to use other methods to prove financial responsibility. If you choose to prove financial responsibility with car insurance, however, you will need to obtain a minimum amount of coverage. This includes:
- $25,000 per person and $50,000 per accident for bodily injury liability insurance
- $10,000 for property damage liability insurance
- Uninsured motorist insurance that matches the bodily injury liability insurance listed above
Remember that these guidelines only pertain to private-use or personal-use vehicles. They are not intended for commercial vehicles, special-use vehicles, or other unique situations.
Drivers who have these special situations should explore the insurance requirements or financial responsibility requirements that may pertain specifically to those situations.
Missouri Minimum Coverage Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
 | $52 |
 | $37 |
 | $48 |
 | $32 |
 | $46 |
 | $23 |
 | $35 |
 | $30 |
 | $40 |
 | $18 |
| U.S. Average | $45 |
Violating the Financial Responsibility Law in Missouri
There are many ways to prove financial responsibility on the road in Missouri, and you need to actively plan for this before you start driving in this state. If you violate the financial responsibility law, you may experience:
- Up to four points added to your driving record
- An order of supervision
- The suspension of your driver’s license
Your auto insurance policy may be canceled after you reach eight points on your record within 18 months. This, as well as the suspension of your license, could make driving legally in this state a veritable impossibility. With this in mind, you need to take steps now to ensure that you comply with Missouri’s financial responsibility law.
Minimum Requirement vs. Recommended Coverage
If you plan to buy auto insurance to comply with Missouri’s financial responsibility law, you should consider the benefits associated with increasing your coverage limits and expanding your coverage types.
A basic auto insurance policy that only complies with the state’s minimum requirements for financial responsibility may pay for some of your accident-related expenses, but the remaining expenses are still your responsibility.
When you expand your coverage types and limits, you can dramatically reduce the amount of money you need to pay when you file a claim. Keep in mind that you will always need to pay your insurance deductible when filing a claim.
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Setting Up Your Coverage
Buying car insurance in Missouri sounds like it would take a long time and be stressful, but you may be happily surprised by how fast and easy this process usually is. One of the faster ways to request a quote from a few different providers is to shop online.
You can easily input all of the required information into online applications for select insurance companies. Spend time researching providers up-front so that you only devote energy to companies that you truly want to buy coverage from.
Requesting quotes with similar coverage types and limits will help you to easily find the best deal possible on your coverage.
Because this process is fast and simple, consider repeating it every six months so that you can stay on top of your coverage and identify potential savings that may be available in the future.
Enter your ZIP code into our free rate comparison tool below to get started comparing quotes and finding the policy that’s right for you.
Frequently Asked Questions
How can I compare car insurance quotes in Missouri?
Use online rate comparison tools or contact insurance companies directly to receive quotes and compare options.
Is comprehensive insurance legally required in Missouri?
No, but it may be required by your auto loan agreement.
What is the average rate for auto insurance in Missouri?
The average rate is $68.78 per month, but rates can vary based on various factors.
Are there specific insurance requirements for commercial or special-use vehicles?
Requirements may vary, so it’s important to check the specific insurance requirements for those vehicles.
Can I choose alternative methods to prove financial responsibility?
Yes, options include bonds, self-insurance, or obtaining a car insurance policy.
How do I set up car insurance coverage in Missouri?
Request quotes online, compare options, and choose the best coverage for you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.