Missouri Auto Insurance Requirements & Rates

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Missouri's minimum of $25,000 per person is among the lowest nationwide and can be exhausted quickly in serious injury cases — the average emergency room visit for accident injuries costs $15,000–$35,000. Consider higher limits to protect personal assets from lawsuits, especially given Missouri's median home value of approximately $200,000.

Pays for damage to other vehicles, buildings, fences, and property when you're at fault. The $25,000 minimum may not cover a single total-loss collision with a newer SUV or truck, which average $35,000–$50,000 in replacement value. Missouri does not require separate collision coverage for your own vehicle, but lenders mandate it for financed cars.

Protects you when hit by a driver with no insurance or insufficient coverage. Missouri law requires this coverage at the same limits as your bodily injury liability unless you reject it in writing. With approximately 13% of Missouri drivers uninsured — above the national average of 12% — this coverage frequently becomes the only source of compensation after hit-and-run accidents or collisions with judgment-proof drivers.

Covers non-collision damage including deer strikes, hail, theft, and storm damage. While not legally mandated, Missouri's geographic exposure makes this particularly relevant — the state ranks in the top 10 nationally for deer-vehicle collisions, with more than 4,000 reported annually, and experiences severe hailstorms across the central corridor from Kansas City to St. Louis. Lenders require this coverage on financed vehicles.

Pays to repair or replace your vehicle after an accident, regardless of fault. Missouri does not require this coverage by law, but it becomes essential for newer vehicles with significant value. Required by lenders for financed or leased vehicles until the loan is satisfied.

Meets only Missouri's 25/50/25 liability requirement and mandatory uninsured motorist coverage. Provides no protection for your own vehicle and minimal coverage for injuries you cause — insufficient for serious accidents.

Increases bodily injury liability to 50/100 or 100/300, raises property damage to $50,000–$100,000, and adds collision and comprehensive with $500–$1,000 deductibles. Recommended for most Missouri drivers to protect against lawsuit risk and vehicle replacement costs.

Includes liability limits of 250/500/100 or higher, lower deductibles ($250–$500), and additional protection such as medical payments, rental reimbursement, and roadside assistance. Provides maximum asset protection and replacement value coverage for newer vehicles.

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.

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.

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.

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.

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.

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.