How much bodily injury coverage do I need in Missouri? This question is about Bodily Injury Liability Insurance

How much bodily injury coverage do I need in Missouri?

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This question is about Bodily Injury Liability Insurance

Lilah Butler, Car Insurance Writer

@lilah_c • 05/30/23 This answer was first published on 05/30/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You need $25,000 in bodily injury coverage per person ($50,000 per accident). Bodily injury liability insurance pays for other people's injuries after a car accident that you cause, and it can also cover your legal fees if you are sued after a crash.

In addition to bodily injury liability insurance, drivers in Missouri need to purchase $25,000 in property damage liability insurance. Property damage liability coverage pays for damage to others' property after an accident caused by the policyholder. Together, these liability insurance requirements are often written as 25/50/10.

Missouri also requires drivers to buy $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage. For more information, check out WalletHub's breakdown of how much car insurance you need in Missouri.

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How does car insurance work in Missouri?

Missouri is an at-fault state, which means that the at-fault driver is responsible for paying for everyone injured in the accident. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP). Missouri also requires uninsured motorist protection, which replaces the liability coverage another driver should have had and pays for your costs up to the policy limits.

Drivers in Missouri...

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How much is car insurance in Missouri per month?

Car insurance in Missouri costs $54 per month or $651 per year for minimum coverage, on average. The cheapest car insurance companies in Missouri are Direct Auto, USAA, and Geico, and getting quotes from several companies can help you find the best deal.

The average cost of car insurance in Missouri is 24% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Missouri,...

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Is uninsured motorist coverage required in Missouri?

Yes, uninsured motorist coverage is required in Missouri. Drivers in Missouri are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person (up to $50,000 per accident). Missouri does not require drivers to have uninsured motorist property damage (UMPD) insurance, however.

Uninsured motorist insurance covers the policyholder’s expenses after an accident if the other driver doesn’t have insurance or doesn’t have enough coverage to pay for the damage. UMBI pays for the policyholder’s medial bills, while UMPD pays to...

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