Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2020

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In a nutshell...

  • Like most states, Missouri also has liability requirements all drivers must followers
  • It is illegal to drive without car insurance in Missouri
  • Whether you live in Missouri or not, uninsured motorist coverage is a precious part of any car insurance policy

Missouri car insurance requirements mandate all drivers to carry minimum levels of liability.

Failure to comply with Missouri car insurance laws can expose to you great personal liability including fines, suspension of your driving privileges and more. Driving with no car insurance in Missouri is illegal.

Need car insurance? Enter your zip code above and start comparing affordable car insurance quotes for FREE!

Missouri Car Insurance Requirements

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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The Missouri Department of Revenue administers Missouri car insurance laws and both the Missouri DMV and law enforcement officials have the right to request proof of insurance.

Currently (2010) any vehicles registered in Missouri must carry auto insurance with at least the following minimum coverage:

Liability Insurance

  • $25,000 bodily injury liability per accident per person
  • $50,000 bodily injury liability per accident for all persons
  • $10,000 property damage liability

Uninsured Motorist Coverage

  • $25,000 UIM liability per accident per person
  • $50,000 UIM liability per accident for all persons

While most states require liability car insurance, uninsured motorist coverage is only needed for a few.

UIM coverage is essential to have as it can cover auto theft, hit and run accidents and protect you in cases when the party at fault does not have enough insurance coverage to pay for all the damages.

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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Whether you live in Missouri or not uninsured motorist coverage is a precious part of any car insurance policy.

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Missouri Car Insurance Companies

Missouri has a much larger selection of car insurance companies than many states with over 150 licensed auto insurers.

While finding a MO car insurance is relatively easy choosing the best car insurance company can be a little more challenging.

Consumers who learn about auto insurance before starting a car insurance comparison search usually do quite well, so take a few moments and learn about the types of coverage, how much protection you need.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in MO.

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Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in Missouri.

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Six major factors affect auto insurance rates in MO. Which car insurance factors will affect your rates the most? Find out below:

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Now let’s see who is the cheapest car insurance company in Missouri.

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Who are the largest car insurance companies in Missouri?

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Also, have a general understanding of the policy you are purchasing instead of merely comparing premiums to find a provider.

How much is Missouri car insurance?

Missouri drivers pay average national premiums but the best car insurance rates will come with car insurance comparison so try to compare car insurance companies before selecting a provider.

Most Missouri consumers take advantage of multiple car insurance discounts to help get even lower premiums.

From the excellent driver discount to multi-policy discounts to even good grade discounts for students, there are many ways you can lower auto insurance premiums. View our section on car insurance discounts today.

Compare car insurance in Missouri Today! Enter your zip code below to get started for FREE!