What is the minimum car insurance required in Missouri?

Liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage, and uninsured motorist coverage of $25,000 per person and $50,000 per accident.

Is uninsured motorist coverage required in Missouri?

Yes, for bodily injury at $25,000 per person and $50,000 per accident. Missouri is among the minority of states that compel it.

How does Missouri check whether I have insurance?

The Department of Revenue tracks drivers to confirm liability policies remain in force, rather than verifying only at registration. Missouri also runs an uninsured motorist programme with reporting obligations on carriers.

Does my Missouri policy cover hail or flood damage?

Only if you carry comprehensive coverage, which the state minimum does not require. Missouri sees meaningful hail, tornado and river flooding exposure, and all of it falls on comprehensive.

Is Missouri an at-fault or no-fault state?

Missouri is an at-fault state. The driver who caused the crash is responsible for the resulting damage, and their liability coverage pays up to the policy limits.

Missouri

Auto insurance in Missouri: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Missouri requires 25/50/25 liability plus uninsured motorist bodily injury coverage at 25/50 — a mandate only a minority of states impose. The Department of Revenue tracks whether policies stay in force rather than checking once at registration. Missouri also sits in an active severe-weather corridor with recurring river flooding, both of which fall entirely on comprehensive coverage that nothing requires you to buy.

Advertiser disclosure. We may be compensated when you connect with a provider through this site. This affects which options appear and where, but not our editorial assessments. How we make money

Question 1 of 3

What’s your ZIP code?

60 seconds to complete No obligation Free service

What Missouri requires you to carry

Minimum liability limits in Missouri — 25/50/25
Bodily injury, per person	$25,000
Bodily injury, per accident	$50,000
Property damage, per accident	$25,000

Missouri also requires

Uninsured motorist bodily injury — 25/50: Missouri requires uninsured motorist coverage of $25,000 per person and $50,000 per accident for bodily injury. It is compulsory rather than an optional add-on.

These are floors, not recommendations. Missouri sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Missouri enforces it

The Department of Revenue tracks drivers to confirm liability policies stay in force, rather than checking only at registration. Missouri also operates an uninsured motorist programme with its own reporting obligations on carriers, so a lapse reaches the state quickly.

How rates are set in Missouri

Missouri is an at-fault state. The driver responsible for a crash is responsible for the resulting injury and property damage, and their liability limits cap what the insurer pays on their behalf.

The Department of Commerce and Insurance regulates carriers, approves policy exclusions and limitations including those in uninsured motorist provisions, and publishes consumer analysis. The Department of Revenue owns driver licensing and insurance tracking.

Missouri is a competitive-rating state. Because uninsured motorist coverage is compulsory, a Missouri minimum policy contains more than its headline liability limits suggest.

Credit-based insurance scores in Missouri

Missouri permits credit-based insurance scores in rating. The Department of Commerce and Insurance publishes analysis showing Missourians pay comparatively little for full coverage relative to the national picture, which compresses the dollar effect of any one rating factor.

What actually moves your premium here

Uninsured motorist coverage is compulsory here

Missouri is among the minority of states that require UM bodily injury coverage. That is worth knowing when comparing a Missouri quote against one from a neighbouring state — you are not looking at the same product, and part of what looks like a higher Missouri premium is a coverage the other state leaves out.

Two metros pulling in different directions

St Louis and Kansas City price well above rural Missouri, and they differ from each other. Carriers rate by garaging ZIP, so a statewide average sits between three quite different markets and describes none of them.

Severe convective weather and river flooding

Missouri sits far enough into the hail and tornado corridor to see significant vehicle losses, and the Missouri and Mississippi river systems produce recurring flooding. Both are comprehensive claims, which the state minimum does not require.

Full coverage is comparatively affordable

Missouri’s own regulator has noted that Missourians pay less than many states for full coverage. The practical read is that adding comprehensive and collision to a liability-only policy costs less here than the national picture suggests — which matters given the hail and flood exposure.

See what you’d be matched with in Missouri

Question 1 of 3

What’s your ZIP code?

Comparing carriers in Missouri

Check that a quote includes the compulsory uninsured motorist coverage. A quote that appears to undercut the others is sometimes quoting a configuration that could not be issued in Missouri.

Given how affordable full coverage is here and how real the hail and flood exposure is, price comprehensive and collision rather than defaulting to liability only.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Missouri

Missouri requires an SR-22 filing after certain suspensions, including driving without insurance and DWI convictions. Your insurer files it with the Department of Revenue and must notify the state if the policy lapses. Confirm the period for your case with the department, since it runs from your reinstatement date.

Missouri auto insurance FAQ

What is the minimum car insurance required in Missouri?: Liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage, and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
Is uninsured motorist coverage required in Missouri?: Yes, for bodily injury at $25,000 per person and $50,000 per accident. Missouri is among the minority of states that compel it.
How does Missouri check whether I have insurance?: The Department of Revenue tracks drivers to confirm liability policies remain in force, rather than verifying only at registration. Missouri also runs an uninsured motorist programme with reporting obligations on carriers.
Does my Missouri policy cover hail or flood damage?: Only if you carry comprehensive coverage, which the state minimum does not require. Missouri sees meaningful hail, tornado and river flooding exposure, and all of it falls on comprehensive.
Is Missouri an at-fault or no-fault state?: Missouri is an at-fault state. The driver who caused the crash is responsible for the resulting damage, and their liability coverage pays up to the policy limits.

Sources

Requirements on this page were verified against Missouri’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Missouri: Missouri Department of Commerce and Insurance, (800) 726-7390.