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Missouri- Auto Insurance

Missouri drivers must carry liability auto insurance in some form, whether through self-insurance or a standard policy from an insurance company.


  • All vehicle owners and drivers must have auto liability insurance coverage.
  • Drivers must show proof of insurance when registering a car or renewing license plates.
  • Missouri’s minimum liability amounts are: $25,000 per person for bodily injury, $50,000 per collision for bodily injury, and $10,000 per collision for property damage.
  • All drivers must carry uninsured motorist coverage. The minimums are $25,000 per person for bodily injury and $50,000 per accident for bodily injury.

A conviction for failing to provide proof of insurance will result in one of the three following consequences:

  1. The citation will be entered on your driving record, and four penalty points will be placed against your license
  2. The court may order the Driver License Bureau to supervise you to verify that you maintain appropriate auto liability coverage
  3. The court may decide to suspend your driver’s license


Missouri Dept. of Insurance
P.O. Box 690
Jefferson City, MO 65102

Web Site:

Missouri (MO) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Uninsured Motorist
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory auto insurance: Registration/license revocation plus fee for reinstatement

Inside Missouri- Auto Insurance