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

Name: Missouri Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Item: Missouri Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Author: Mark Fitzpatrick

Missouri's minimum coverage liability limits are 25/50/25. On average, state minimum car insurance in Missouri costs about $715 annually or $60 monthly for affordable coverage.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Rae Osborn

Updated: October 29, 2024

Advertising & Editorial Disclosure

Missouri mandates drivers to have minimum car insurance requirements, including bodily injury liability coverage of $25,000 per person and $50,000 per accident as well as property damage liability coverage of $25,000 per accident. Missouri operates under an at-fault system, meaning that the driver who causes the accident is responsible for covering the damages.

Drivers in Missouri must carry uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. For those looking for cost-effective solutions, the cheapest car insurance in Missouri for state minimum coverage can be around $60 per month, providing a basic level of protection while adhering to legal requirements.

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? MoneyGeek analyzed data from Missouri Department of Insurance and Quadrant Information Services to give you the most accurate cost data for a range of Missouri drivers.

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

43,229Quotes Analyzed

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64ZIP Codes

Missouri Minimum Coverage Car Insurance Requirements

In Missouri, to legally operate a motor vehicle, drivers must carry the state minimum car insurance coverage. 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, which means that the driver who is found to be at fault for an accident is responsible for paying for the damages. Missouri's adherence to the fault system can influence the costs and coverage options for drivers, as those found at-fault may face higher insurance premiums.

DOES MISSOURI REQUIRE COLLISION AND COMPREHENSIVE COVERAGE?

Missouri law does not 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 damages 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 are at fault in an accident	Your injuries
Damage to another person’s property if you are at fault in an accident	Damages 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 on the road and higher risk profiles.

The table below shows the average annual and monthly costs for minimum coverage auto insurance in Missouri, broken down by age group.


22-29	$875	$73
30-59	$715	$60
60 +	$708	$59

Cheapest Companies for Minimum Coverage Car Insurance in Missouri

When it comes to finding economical minimum coverage auto insurance in Missouri, Travelers and Progressive are the best, offering competitive annual rates.

Travelers: $452 per year and $38 per month.
Progressive: $489 per year and $41 per month.

Ensure you review all your options to find what best suits your individual circumstances when looking for the best car insurance in Missouri.

Data filtered by:Results filtered by:

Age Group:

Age Group:30-59


Travelers	$452	$38
Progressive	$489	$41
American Family	$541	$45
State Farm	$633	$53
Shelter	$661	$55
Allstate	$744	$62
Kemper	$770	$64
Nationwide	$874	$73
AAA	$917	$76
GEICO	$1,064	$89

Optional Add-On Coverages in Missouri

In Missouri, drivers can opt for several useful add-on coverages, such as comprehensive, collision, uninsured/underinsured motorist protection, medical payments and rental reimbursement. While not required by law, these add-ons provide added financial protection against a range of unforeseen events like theft, collisions and medical expenses. To determine how much car insurance you need, it’s important to assess your individual risks and vehicle value.

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 are at fault or damages that exceed 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 damages 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 the site of your vehicle's breakdown.	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 cost of a ticket for driving without insurance in Missouri varies based on your history with this offense. First-time violators face one set of penalties, while repeat offenders face stiffer consequences.

For a first offense, you may encounter a fine and possibly receive a suspension of your driving privileges. Repeat offenses can lead to higher fines and longer suspension periods. In either case, convicted drivers may need to file for an SR-22, which is a certificate proving the possession of minimum coverage auto insurance.

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

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

If involved in an accident while uninsured, drivers 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 ensure you 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 is likely to be informed by your insurance company about the cancellation of your policy, which could lead to penalties if you fail to secure new coverage promptly.

In case you're finding it difficult to obtain insurance, consider the Missouri Automobile Insurance Plan (MOAIP). This program assists drivers who have been rejected by two or more insurers to obtain the necessary coverage.

Regardless of your situation, never drive without at least the state minimum coverage in Missouri. Ensuring you are legally insured is imperative for your financial safety and adherence to state regulations.

WHY WAS MY POLICY CANCELED?

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

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

FAQ: Missouri Minimum Coverage Car Insurance

Here, you'll find clear answers to common questions about the coverage you must have 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. Additionally, drivers must 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 mandates minimum coverage auto insurance to ensure motorists have financial responsibility in the event of an accident. This coverage helps in covering costs relating to injuries or damages inflicted on others.

When crafting your insurance strategy, take note that Missouri's minimum coverage is just a starting point. It's wise to consider additional protection to ensure you're fully covered, as accidents can often result in expenses that exceed basic policy limits.

Do you need comprehensive insurance in Missouri?

In Missouri, car owners are not required by law to have comprehensive insurance. However, if you're financing or leasing your car, your lender may mandate 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 lead to significant penalties, including fines, license suspension and vehicle registration suspension. On a first offense, you may face a fine up to $500 and four points added to your driving record, increasing your future insurance premiums.

Repeat offenses escalate to higher fines, a court-ordered supervised driving period and even potential jail time. Ensuring you carry at least state minimum coverage is important for legal driving and 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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