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Missouri Auto Insurance Requirements

Every state enacts its own car insurance rules, minimum coverage requirements, and claim options. In Missouri, drivers must abide by these requirements or face penalties such as traffic tickets, points on your driving record, license suspension, fees from $20 to $400, and an order of supervision. An order of supervision means the Driver License Bureau will monitor your insurance status to ensure you maintain the minimum coverage amounts. Learn what Missouri requires of its drivers to avoid these negative consequences.

Minimum Car Insurance Coverage Amounts in Missouri

To drive in Missouri, you must purchase the following coverage for all vehicles in operation: $25,000 per person for bodily injuries, $50,000 per accident for bodily injuries where more than one person gets hurt, and $10,000 per accident for property damage. Bodily injury coverage pays for any injuries the accident causes when the driver of the insured vehicle is at fault. Property damage coverage pays for any accident-related damages to real or personal properties.

Minimum insurance amounts do not cover damage to the policyholder’s vehicle – only the vehicles of others involved in the accident. Drivers have the option to purchase collision coverage to repair or replace their own vehicles in an at-fault accident, but this is not an insurance requirement in Missouri. Optional comprehensive coverage will cover damages to your vehicle that weather, animals, or something else causes.

Missouri law also requires uninsured motorist coverage on all car insurance policies. This pays for damages if an uninsured motorist causes your accident. Underinsured insurance is an option, but the law does not require this type of car insurance. If you are an out-of- state driver, you must carry at least the minimum required insurance in your home state to operate a vehicle in Missouri.

Alternatives to Traditional Car Insurance

If a driver cannot find a car insurance carrier in the main insurance market, he or she can apply for coverage through the Missouri Automobile Insurance Plan. Missouri law Sections 303.200 and 379.460 created the Plan to provide insurance coverage options to high-risk drivers who cannot obtain coverage in the larger market. All state insurance carriers must subscribe to the Plan.

Applicants to the Plan must certify that they have attempted to obtain insurance in Missouri within the last 60 days and have been unable to obtain rates that do not exceed those available through the Plan. The driver must also carry a valid driver’s license or be eligible to receive one. While carrying car insurance through the larger market or via the Plan are the most common methods for complying with Missouri’s insurance requirements, there are other ways to abide by the law.

Drivers can submit proof of financial responsibility for damages they may cause in a car accident or certificates of self-insurance to the Department of Revenue instead of paying for typical automobile insurance. Proof of financial responsibility might come in the form of a real estate bond, surety bond, cash deposit, or deposit of securities such as stocks and bonds. A certificate of self-insurance is only available to businesses and religious organizations in Missouri.

Proof of Insurance

It is not enough to have the required insurance coverage in Missouri to stay out of legal trouble. You must carry proof of insurance in your vehicle during operation. During a traffic stop or after a car accident in Kansas City, police may ask you to show your proof of insurance. Failure to do so, even if you have the proper coverage, can result in a ticket and a notification to the Department of Revenue that you were driving without insurance. The DOR can request that you show proof of insurance at any time. Inability to show proof can result in license suspension. You also need proof of insurance while registering your vehicle and renewing your plates.