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 at-fault drivers are responsible for damages they cause. The state requires all drivers to carry proof of insurance at all times and enforces compliance through the Missouri Department of Revenue's random verification program. Missouri also mandates uninsured motorist coverage at the same limits as your liability coverage, a requirement that distinguishes it from most other states.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Comprehensive and Collision
Cost Overview
about $96/mo
Average car insurance spending in Missouri
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Rural Missouri counties including Ozark, Shannon, and Carter see higher comprehensive claims due to deer collisions, with November and October showing peak claim frequency.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Missouri a no-fault insurance state?
No, Missouri operates under a traditional tort liability system. The at-fault driver is responsible for all damages they cause in an accident. This means you can sue the responsible party directly for medical bills, vehicle damage, and other losses, but you're also personally liable if you cause an accident and your liability limits are insufficient.
Does Missouri require SR-22 insurance?
Missouri requires SR-22 filing after DUI convictions, driving without insurance, multiple at-fault accidents, or license reinstatement following suspension. The SR-22 is not insurance but a certificate your insurer files with the Department of Revenue proving you maintain minimum liability coverage. You must maintain continuous SR-22 filing for two to three years depending on the violation, and any lapse restarts the clock.
Coverage Types
Liability Insurance
The foundation of Missouri's insurance requirement, covering bodily injury and property damage you cause to others. State minimums of 25/50/25 are often insufficient in serious accidents.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection into a complete package. Recommended for vehicles worth more than $5,000 or when financing.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Pays the actual cash value of your vehicle minus your deductible.
Uninsured Motorist Coverage
Required by default in Missouri, this coverage protects you when hit by a driver with no insurance or in a hit-and-run. Must match your liability limits unless rejected in writing.
Collision Coverage
Pays for damage to your vehicle from accidents with other vehicles or objects, regardless of who is at fault. Required by lenders on financed vehicles.
SR-22 Insurance
Not a coverage type but a certificate proving you carry minimum liability insurance, filed by your insurer with the Missouri Department of Revenue after certain violations.