Missouri Auto Insurance

Required Coverage Minimum—25/50/10. $25,000 for injury liability for one person in an accident, $50,000 for all injuries in any one accident, and $10,000 for property damage in an accident.

Mandatory Insurance Coverage—Property Damage Liability policy, Bodily Injury Liability policy, Uninsured Motorist policy

Proof of Insurance—is required. You must keep some proof of insurance in your vehicle at all times. If you cannot produce this proof for a law enforcement officer the officer will issue you a ticket.

“Financial Responsibility”--is satisfied in the following ways:

Auto liability insurance.
Self-insurance ID card. To be self-insured, you own over 25 vehicles and demonstrate how you would pay for damages caused by your vehicles.
A surety bond, certificate of deposit of money, or other types of securities in the amount of $60,000 filed with the Department of Revenue. An ID card will be issued to you.
A real estate bond filed with the Department of Revenue

Penalty for Failure to Comply—Possible license and registration revocation

Lawsuits—There are no restrictions on liability lawsuits in this state

Non-Seatbelt Use

You can be pulled over for non-seat belt use among children. Penalties include accident damage mitigation up to a 1% maximum or a $10 fine for all seats in noncompliance.

Visit the Missouri Department of Insurance Website

Missouri Department of Insurance

301 West High Street, Room 530
Jefferson City, MO 65101

Telephone: 573 751-4126
Fax: 573 751-1165

Email: askmdi@insurance.mo.gov