Missouri Auto Insurance Requirements & Rates
Missouri requires 25/50/25 liability coverage and is an at-fault state.
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Missouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Missouri operates under a traditional tort liability system, meaning the at-fault driver is financially responsible for damages. Drivers must carry proof of insurance at all times and present it during traffic stops or after accidents. The state's Financial Responsibility Law requires immediate electronic verification through the Missouri Department of Revenue's system, which monitors compliance across all registered vehicles.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Cost Overview
about $96/mo
Average car insurance spending in Missouri
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Is Missouri a no-fault state for car insurance?
No, Missouri is a traditional tort liability state, meaning the at-fault driver is financially responsible for all damages. Injured parties can sue for medical expenses, lost wages, pain and suffering, and property damage. This system increases premium costs compared to no-fault states but allows full recovery of damages from the responsible party.
Does Missouri require comprehensive and collision coverage?
Missouri law does not require comprehensive or collision coverage, but lenders and leasing companies mandate both for financed vehicles until the loan is satisfied. Even for paid-off vehicles, comprehensive coverage is highly recommended due to Missouri's elevated deer-collision risk — over 4,000 annually — and frequent severe hailstorms across the central corridor.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Missouri's 25/50/25 minimums are frequently insufficient — a single serious injury can generate $100,000+ in medical costs and lost wages, exposing you to lawsuits for the difference.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage to protect both your financial liability and your vehicle's value. Provides complete protection in a state with above-average uninsured drivers and significant non-collision risks.
Comprehensive Coverage
Pays for damage from events other than collisions — including animal strikes, hail, falling objects, theft, vandalism, and weather damage. Especially valuable in Missouri due to elevated deer-collision and severe weather exposure.
Collision Coverage
Covers repairs or replacement of your vehicle after an accident, regardless of who was at fault. Essential for newer vehicles and those with outstanding loans or leases.
Uninsured Motorist Coverage
Covers your medical expenses, lost wages, and pain and suffering when struck by a driver with no insurance or inadequate coverage. Required in Missouri at the same limits as your bodily injury liability unless rejected in writing.
SR-22 Insurance
An SR-22 is not a coverage type but a certificate of financial responsibility filed by your insurer with the Missouri Department of Revenue. Required after certain violations including DUI, driving without insurance, multiple at-fault accidents, or license suspension.