Car insurance in Missouri
Missouri is a at-fault state with a minimum liability requirement of25/50/10. Here's what that means, what it costs, and what to check before you buy.
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
Illustrative estimate: roughly $725-$730/year for minimum coverage - higher than the modest liability minimums might suggest.
Why this is a range, not a quote
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 25/50/10. $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 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.
See what fits your situation in Missouri
Two minutes, no phone number required until the last step.
Start the match →