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Missouri Car Insurance Guide

Navigating the car insurance market in Missouri can be time-consuming. is here to alleviate your time. We have compiled this guide that lists what you need to know so you can easily get the car insurance policy that fits your personal needs - at the lowest rate.

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Minimum Requirements

The minimum car insurance requirements in Missouri for bodily injury liability are on par with the national average. Missouri is not a no-fault state but you are required to carry uninsured motorist coverage. We put together a list of the minimum car insurance requirements in Missouri along with the limits:

Minimum Bodily Injury Liability $25,000 per person and $50,000 per accident.
Minimum Property Damage Liability $10,000 per accident.
Uninsured/Underinsured Motorist Bodily Injury $25,000 per person and $50,000 per accident.


Do I Need More Than the Minimum Coverage?

It is always suggested to buy as much car insurance as you can afford. By doing this, you will fill in the gaps of coverage the minimum required car insurance misses. The minimum requirement for property damage in Missouri is exceptionally low and will not repair much if you are in an accident. This is just one example of why it is important to purchase as much insurance as you can afford. 


Additional Coverages Available

Here we have compiled a list of additional coverages available in Missouri to better protect you:

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Driver

In Missouri, a graduated drivers license program is used to give teens the safest avenue to gain driving experience. At 15 a teen can get their learners permit and start driving. This is the perfect time to get car insurance for your teen driver. All teen drivers are held to the same standards as adult drivers. However, insuring a teen driver is costly. There are a few cost-cutting tips out there, but nothing will drastically reduce the rates. For instance, adding a teen to an existing policy will save some more money than a teen getting their own policy. Talk with your car insurance agent about other discounts offered for teen drivers in your area. 


Multiple Drivers in Missouri 

Disclosing multiple drivers to your insurance agent is the safest bet to getting the most out of your car insurance. Having anyone who uses your vehicle listed on your policy is best. This is one way to keep the risk of having out-of-pocket expenses lower. 

If you do not want to add certain drivers in your house to your policy that is ok too. Just make sure you exclude them. It is not smart to let excluded drives use your vehicle because they are not covered by your car insurance. Any damages would be your responsibility and result in out-of-pocket costs.


Penalties for Driving Without Car Insurance 

There are penalties in Missouri if you are caught driving without car insurance. The penalties become more severe the more times you break the law. It is best to always have car insurance if you are planning to operate a vehicle. We put a list of penalties together: 

  • First Offense- Your driver's license, registration, and license plates will be suspended until you show proof of insurance. You will have to pay a reinstatement fee of $20. Four points will be added to your driver's license.

  • Second Offense- You will pay a fine not to exceed $500. Your driver's license, registration, and license plates will be suspended for 90 days. You will have to pay a reinstatement fee of $200. Four points will be added to your driver's license. You could be sentenced up to 15 days in jail.

  • Third and Subsequent Offenses- You will pay a fine not to exceed $500. Your driver's license, registration, and license plates will be suspended for one year. You will have to pay a reinstatement fee of $400. Four points will be added to your driver's license. You could be sentenced up to 15 days in jail. 


Car Insurance Savings in Missouri 

Everyone loves discounts! If you HAVE to buy car insurance getting discounts is pretty great. There are many discounts offered in Missouri for car insurance. Speak with your car insurance company and ask for a full list of available discounts. This will help you maximize your savings. We have put a short list of common discounts in Missouri together: 

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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