Missouri requires certain minimum levels of car insurance coverage on any motor vehicle registered in the state. Those minimums are:
These are just the minimum limits required in Missouri. It is usually wise to carry more than the coverage minimums. If you cause an accident and the other driver's medical bills, lost income, and other damages exceed your policy limits, you could find yourself on the financial hook for the difference.
What's more, while Missouri does not require vehicle owners to carry comprehensive coverage, if you finance or lease a vehicle, you're probably legally obligated to include comprehensive coverage as part of your policy.
Learn more about Different Types of Car Insurance Coverage.
Pursuant to Missouri Revised Statutes, Section 379-203, you must carry uninsured motorist coverage as part of your car insurance policy. As the name implies, this coverage is designed to protect you if you're in an accident with an at-fault driver who does not have insurance, or does not have enough coverage to pay for your losses. Learn more about Uninsured Motorist Coverage and Underinsured Motorist Coverage.
If you are caught driving without insurance in Missouri, your driver's licence and/or vehicle license plates may be suspended. The following suspension periods and reinstatement fees will apply: