Is Missouri an at-fault or no-fault state?

Missouri is an at-fault state for car insurance claims.

Field report · MO

Car insurance in Missouri

Missouri is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristRequired1

RegulatorMissouri Department of Revenue - no separate standalone 'DMV'

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and only $10,000 for property damage - a low PD minimum commonly flagged as insufficient against modern repair costs.

UM bodily-injury coverage (25/50) is required; Missouri does NOT require uninsured-motorist property-damage coverage.

Estimated cost

$655 a year for minimum coverage, $2,516 for full coverage2

Average annual premiums in Missouri for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI, driving without insurance, or reckless driving convictions.

Local conditions worth knowing

Missouri has one of the nation's higher uninsured-motorist rates (around 16%, among the top 5 highest per Insurance Research Council data), and severe weather (hail/wind) pushes up comprehensive costs.

Frequently asked

What is the minimum car insurance requirement in Missouri?: Missouri requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and only $10,000 for property damage - a low PD minimum commonly flagged as insufficient against modern repair costs.
Is Missouri an at-fault or no-fault state?: Missouri is an at-fault state for car insurance claims.
Do I need an SR-22 in Missouri?: Typically required after a DUI, driving without insurance, or reckless driving convictions.
Is uninsured motorist coverage required in Missouri?: UM bodily-injury coverage (25/50) is required; Missouri does NOT require uninsured-motorist property-damage coverage.

Sources

Missouri Department of Revenue, Insurance requirements.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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