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:
- The citation will be entered on your driving record, and four penalty points will be placed against your license
- The court may order the Driver License Bureau to supervise you to verify that you maintain appropriate auto liability coverage
- The court may decide to suspend your driver’s license
Missouri Dept. of Insurance
P.O. Box 690
Jefferson City, MO 65102
Web Site: insurance.mo.gov
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