What are the minimum liability car insurance requirements do I need in Missouri? This question is about How Much Car Insurance Do I Need?

The minimum liability car insurance requirements in Missouri are $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $25,000 in property damage liability insurance. These requirements can also be written as 25/50/25. Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Missouri will need to purchase $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage to satisfy the state's minimum car insurance requirements. Types of Car Insurance Required in Missouri Bodily injury liability (BI) Property damage liability (PD) Uninsured motorist (UM) If Missouri drivers do not purchase at least the minimum amounts of car insurance coverage required by Missouri law, they can face penalties for driving without insurance. Drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed. To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in Missouri.

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What are the minimum liability car insurance requirements do I need in Missouri?

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This question is about How Much Car Insurance Do I Need?

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Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 05/18/23 This answer was first published on 05/18/23. 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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The minimum liability car insurance requirements in Missouri are $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $25,000 in property damage liability insurance. These requirements can also be written as 25/50/25.

Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Missouri will need to purchase $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage to satisfy the state's minimum car insurance requirements.

Types of Car Insurance Required in Missouri

If Missouri drivers do not purchase at least the minimum amounts of car insurance coverage required by Missouri law, they can face penalties for driving without insurance.

Drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed.

To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in Missouri.

Answer Question

How much liability insurance do I need?

You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.

When to Carry Only the Minimum Liability Coverage

Although almost every state requires drivers to carry liability insurance, the minimum coverage is not always enough to cover the cost of an accident. It’s always...

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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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Is personal injury protection required in Missouri?

No, personal injury protection (PIP) is not required in Missouri. PIP is not even available in Missouri. Instead of PIP insurance, Missouri insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.

MedPay is similar to PIP insurance in that both handle your medical bills even if you cause a car accident. But MedPay covers less than personal injury protection, with no provisions for lost...

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