Missouri Minimum Coverage Car Insurance: Requirements and Costs (2024)

Missouri's minimum coverage liability limits are 25/50/25. On average, minimum car insurance costs $661 annually or $55 monthly.

Updated: December 10, 2024

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Missouri requires drivers to have minimum car insurance, including $25,000 for bodily injury liability per person, $50,000 for property damage liability per accident and $25,000 for uninsured motorist coverage per accident. The state follows an at-fault system, meaning the driver responsible for the accident covers the damage.

Minimum car insurance averages around $55 per month, providing basic protection while meeting legal requirements. For cost-effective options, consider the cheapest car insurance in Missouri.

TABLE OF CONTENTS

Missouri Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Missouri
Cheapest Companies in Missouri for Minimum Coverage
Add-On Coverages in Missouri
Penalties for Driving Without Insurance in Missouri
FAQ

Why Trust MoneyGeek? We analyzed data from the Missouri Department of Insurance and Quadrant Information Services to get the most accurate cost data for various Missouri drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Missouri as of December 2024.

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Missouri Minimum Coverage Car Insurance Requirements

Missouri drivers must carry the state minimum car insurance coverage to operate a motor vehicle legally. This includes:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
$25,000 uninsured motorist bodily injury per person
$50,000 uninsured motorist bodily injury per accident

Missouri is a fault state, meaning the driver at fault in an accident is responsible for paying for the damage. This system can affect insurance costs, as at-fault drivers may face higher premiums due to their increased risk of causing accidents.

DOES MISSOURI REQUIRE COLLISION AND COMPREHENSIVE COVERAGES?

Missouri law doesn't mandate drivers to carry collision or comprehensive insurance. However, minimum coverage is required. Financial institutions often require both coverages for leased or financed vehicles to protect their investment against damage from accidents, theft or natural disasters.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

The table reflects Missouri's minimum car insurance requirements, including bodily injury and property damage coverage. Specific policy details are governed by individual terms and conditions.

Average Cost of Minimum Coverage Car Insurance in Missouri

Age is a significant factor in determining the cost of minimum coverage car insurance. In Missouri, drivers aged 22 to 29 face the highest premiums, primarily due to their relative inexperience and higher risk profiles.

The table below shows Missouri's average minimum coverage cost of minimum coverage auto insurance, broken down by age group.


22-29	$816	$68
30-59	$661	$55
60 +	$650	$54

Cheapest Companies for Minimum Coverage Car Insurance in Missouri

Missouri drivers seeking the most affordable minimum coverage insurance can find the lowest rates with the following providers:

Travelers: $452 per year; $38 per month
Progressive: $493 per year; $41 per month

When looking for the best car insurance in Missouri, review all your options to find what best suits your circumstances.

Data filtered by:Results filtered by:

Age Group

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Age Group:30-59


Travelers	$452	$38
Progressive	$493	$41
GEICO	$519	$43
American Family	$541	$45
State Farm	$637	$53
Shelter	$662	$55
Allstate	$744	$62
Kemper	$770	$64
Nationwide	$874	$73
AAA	$917	$76

Optional Add-On Coverages in Missouri

In Missouri, drivers can opt for several useful coverages, such as comprehensive, collision, uninsured/underinsured motorist protection, medical payments and rental reimbursement. While not required by law, these add-ons boost financial protection against unforeseen events like theft, collisions and medical expenses. Assess your risks and vehicle value to determine how much car insurance you need.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured motorist coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you're at fault or damage that exceeds policy limits
Personal injury protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside assistance	Services like towing, flat tire changes and jump-starts when your car breaks down	Cost of parts or repairs needed after the tow
Gap insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental car reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive coverage	Repairs to non-collision damage from events like theft, fire or hail	Damages from a collision or personal injuries
Towing and labor coverage	Towing and basic roadside-assistance labor costs at your vehicle's breakdown site	More extensive repairs needed at a garage
Custom parts and equipment coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental death coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic car insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use like your daily commute

Penalties for Driving Without Insurance in Missouri

The penalty for driving without insurance in Missouri depends on whether it's your first offense. A first violation typically results in a fine and a suspension of your driving privileges. Repeat offenses can lead to higher fines and longer suspensions. Also, drivers convicted of driving uninsured may be required to file an SR-22, proving they have the necessary minimum coverage auto insurance.

Penalties for driving without at least minimum coverage in Missouri include:

Fines dependent on the frequency of the offense
Driving privilege suspension
Filing of an SR-22 certificate
Points added to the driving record

Drivers involved in an uninsured accident can face even more severe penalties, such as jail time. Maintaining at least minimum coverage auto insurance is essential for legal compliance and to avoid these penalties in Missouri.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Missouri, immediately seek a new provider to maintain coverage and comply with state law; driving without insurance is illegal. Contact an insurance agent or explore other carriers to secure a new policy.

The Missouri Department of Revenue will likely inform your insurance company about canceling your policy, which could lead to penalties if you fail to secure new coverage promptly.

The Missouri Automobile Insurance Plan (MOAIP) can help if you're having trouble getting insurance in Missouri. This program provides coverage for drivers who two or more insurers have rejected.

Regardless of your circumstances, ensure that the state minimum insurance covers you. Driving uninsured can lead to severe penalties, so it's crucial for your financial security and legal compliance.

WHY WAS MY POLICY CANCELED?

Your Missouri car insurance policy may have been canceled for several reasons:

Non-payment: The insurance company can cancel the policy if premiums aren't paid on time, the insurance company can cancel the policy.
License suspension: A suspended or revoked driver's license can lead to policy cancelation.
Fraud or misrepresentation: Providing false information or omitting important facts can result in cancelation.
Too many claims: Filing many claims might signal high risk, prompting cancelation.
Policy violation: Violating terms, like unauthorized drivers using your car, could lead to a canceled policy.
State minimum changes: If Missouri's minimum coverage laws change and your policy doesn't comply, it might be canceled.

FAQ: Missouri Minimum Coverage Car Insurance

Find answers to common questions about the coverage required to drive legally in Missouri.

What is the minimum car insurance coverage in Missouri?

In Missouri, the minimum coverage auto insurance includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident. Drivers must also carry uninsured motorist coverage, which is $25,000 per person and $50,000 per accident.

Why does Missouri require minimum automobile liability coverage for motorists?

Missouri requires minimum auto insurance to ensure drivers are financially responsible for accidents. This coverage helps cover costs related to injuries or damage to others. However, Missouri's minimum coverage is just a baseline. Consider additional protection to cover expenses that may exceed basic policy limits in case of an accident.

Do you need comprehensive insurance in Missouri?

In Missouri, car owners aren't legally required to have comprehensive insurance. However, if you're financing or leasing your car, your lender may need it. This type of coverage protects against non-collision incidents, such as theft, vandalism or weather damage.

What happens if you drive uninsured in Missouri?

Driving uninsured in Missouri can result in severe penalties, fines, and license and vehicle registration suspensions. For a first offense, you may face a fine of up to $500 and four points on your driving record, which can increase future insurance premiums. Repeat offenses lead to higher fines, a court-ordered supervised driving period and possibly jail time. Carry at least the state minimum coverage to avoid these penalties and ensure financial protection.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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