Missouri car insurance laws require bodily injury liability coverage of $25,000 per person and $50,000 per accident, along with $25,000 of property damage liability coverage. Missouri also requires uninsured motorist coverage totaling $25,000 per person and $50,000 per accident of bodily injury.
The first two categories – bodily injury liability and property damage liability - cover injuries or damages that you accidentally cause with your car. Your car insurance pays up to the per-person or per-accident limit in each category. Uninsured motorist insurance provide additional coverage for you, in the event that you get into an accident with a driver who has limited or no insurance of their own.
Car insurance is required in Missouri, but some drivers break that law or simply don’t have enough insurance to cover all accident-related expenses. Having uninsured coverage on your own policy means you can repair your car or go to the hospital without worrying about where you’ll get the money to pay your bills. If you want additional coverage, you can choose higher limits than the ones required by Missouri law.
Since insurance is required by Missouri law, you can face multiple penalties if you’re caught driving without it, including fines and suspension of your license and registration. Another important Missouri law to note is the grace period for new residents: You have 30 days to register your car when you move to Missouri. You’ll need to bring proof of Missouri car insurance when you go to register, with coverage in each of the categories listed below.
Minimum Coverage Required by Missouri Car Insurance Laws
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist insurance: $25,000 per person and $50,000 per accident of bodily injury
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