What Is The Minimum Auto Insurance Coverage In Missouri?

Missouri is known for its wide-open spaces, but it’s also home to a vibrant driving culture. Whether you’re in St. Louis or Kansas City, you’ll need the right protection behind the wheel. To that end, you should know the minimum auto insurance coverage required in the state of Missouri.

In this article, we’ll take an in-depth look at what constitutes adequate auto insurance coverage and why it’s important to have the right amount of protection while on the road. You’ll also learn what happens if you don’t carry enough coverage or fail to purchase auto insurance at all. Read on to learn more about how to stay safe on Missouri’s roads!

What is the minimum auto insurance coverage in Missouri?

In Missouri, the minimum amount of auto insurance coverage that drivers must have is $25,000 per person and $50,000 per accident for bodily injury liability, as well as $10,000 per accident for property damage liability. However, it is important to keep in mind that these are only the minimum required amounts and that it is generally recommended to have higher levels of coverage.

Why you need auto insurance

If you are caught driving without auto insurance in Missouri, you could face some serious penalties. First-time offenders may be fined up to $500 and have their driver’s license suspended for up to three months. Subsequent offenses can result in even steeper penalties, including a fine of up to $1,000 and a jail sentence of up to one year.

Auto insurance is required in Missouri because it helps protect drivers financially if they are involved in an accident. If you cause an accident, your auto insurance will help pay for the other driver’s medical bills, car repairs, and other damages. Without auto insurance, you would be responsible for paying all of these costs yourself – which could quickly become very expensive.

In short, driving without auto insurance is risky and can be quite costly if you are unfortunate enough to cause an accident. Make sure you are properly protected by purchasing the minimum amount of auto insurance coverage required in Missouri.

How much auto insurance do you need?

When it comes to auto insurance, there is no one-size-fits-all answer. The amount of coverage you need depends on a number of factors, including your assets, driving record, and the state in which you live.

Missouri requires all drivers to carry at least $25,000 in bodily injury liability insurance and $10,000 in property damage liability insurance. However, these minimums may not be enough to protect you financially if you are involved in a serious accident.

Consider your assets when determining how much auto insurance coverage you need. If you have significant savings or other assets, you may want to purchase more than the minimum coverage in order to protect yourself financially.

Your driving record is also a factor to consider when determining your insurance needs. If you have a history of accidents or traffic violations, you may need to purchase more coverage than the minimum in order to get adequate protection.

Finally, keep in mind that the minimum auto insurance requirements vary from state to state. If you are planning on moving to Missouri, be sure to research the minimum coverage requirements for that state as well.

How to get the best deal on auto insurance

There are a few things you can do to make sure you’re getting the best deal on auto insurance in Missouri. First, shop around and compare rates from different insurers. Second, ask about discounts and see if you qualify for any. Finally, make sure you understand what your policy covers and what it doesn’t so that you can make an informed decision about your coverage.

FAQs about Missouri auto insurance

-What are the minimum insurance requirements in Missouri?
-Do I need to purchase auto insurance if I don’t own a vehicle?
-How much does auto insurance cost in Missouri?
-What factors affect my auto insurance rates in Missouri?
-What types of coverage should I consider adding to my Missouri auto insurance policy?


Missouri has minimum auto insurance requirements that all drivers must meet before they can legally operate a vehicle in the state. The state requires all drivers to purchase liability coverage for bodily injury, property damage and uninsured motorist protection at the very least.

While this is the amount of coverage you are legally required to have, there are additional types of car insurance you may want to consider purchasing such as comprehensive and collision coverage, gap insurance or rental reimbursement. Ultimately, it is up to you how much coverage you need so make sure to talk with your insurer about what will work best for your needs.