State guide
Car Insurance in Missouri
Updated August 2026
Missouri is an at-fault state with 25/50/25 liability minimums, but it adds a requirement most at-fault states leave optional: every policy must include uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. In Missouri you cannot buy a legal auto policy that leaves you fully exposed to an uninsured driver — the legislature made that layer non-negotiable.
So the minimum Missouri package is really five numbers, not three: 25/50 bodily injury, $25,000 property damage, and 25/50 uninsured motorist. Since every carrier must sell that same bundle, the differences worth finding are in price and in how much the next tier of coverage costs — the kind of differences that only show up when quotes sit side by side.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | Not required (at-fault state) |
| Additional requirements | Uninsured motorist bodily injury: $25,000/$50,000 (required) |
| No-fault state | No |
| SR-22 used | Yes |
Source: Mo. Rev. Stat. §303.190; §379.203 (UM); Missouri Department of Revenue
Average annual expenditure for auto insurance in Missouri was $992 in 2022, per the NAIC. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
At-fault liability, and the UM mandate on top
As an at-fault (tort) state, Missouri routes crash costs to the driver who caused them: their liability coverage pays for the other side's injuries and vehicle damage. There's no PIP here — your own injuries in a not-at-fault crash are the at-fault driver's insurer's problem, backed by your mandatory UM coverage when that driver turns out to carry nothing.
The UM mandate matters because uninsured driving is a national reality — 15.4% of U.S. drivers carried no insurance in 2023, per the Insurance Research Council. Missouri's answer is structural: the 25/50 UM layer rides on every policy. What the state doesn't mandate is underinsured motorist coverage, which picks up when the at-fault driver has only minimum limits — that one remains a per-driver decision, and carriers price it very differently.
Proof of insurance and Missouri's no-tolerance registration rules
Missouri ties insurance to the vehicle paperwork: you show proof of coverage to register or renew, and the Department of Revenue monitors compliance. Getting caught without insurance brings license and registration consequences, and a suspension for uninsured driving typically means filing proof of insurance with the state for up to three years afterward.
Kansas City and St. Louis metro ZIP codes generally price differently from rural Missouri for identical coverage, and each carrier draws those territorial lines its own way — another reason two quotes for the same driver routinely land far apart.
SR-22s in Missouri
Missouri uses SR-22 filings, administered by the Department of Revenue, to prove financial responsibility after suspensions — accident-related cases require the SR-22 form specifically, and the filing period runs two to three years depending on the violation. A lapse during that window restarts the process. The filing fee is minor; the surcharge each insurer attaches to the underlying violation is the real cost, and it varies enough between carriers that comparing quotes matters most for exactly these drivers.
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Frequently asked questions
What car insurance is required in Missouri?+
Liability coverage of $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25), plus uninsured motorist bodily injury coverage of $25,000/$50,000, per Mo. Rev. Stat. §303.190 and the Missouri Department of Revenue.
Is Missouri a no-fault state?+
No. Missouri is an at-fault (tort) state — the driver who causes an accident pays for the resulting injuries and damage through their liability coverage. PIP is not required.
Is uninsured motorist coverage required in Missouri?+
Yes. Unlike most at-fault states, Missouri requires 25/50 uninsured motorist bodily injury coverage in every auto policy. Underinsured motorist coverage, by contrast, is optional.
Does Missouri use SR-22s?+
Yes. The Department of Revenue requires SR-22 filings as proof of insurance after certain suspensions — always when an accident was involved — for two to three years depending on the case. Your insurer files the form directly with the state.
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