Missouri Auto Insurance Requirements & Rates
Missouri requires 25/50/25 liability coverage and is an at-fault state.
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Missouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Missouri operates as a tort-based liability state, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of insurance and enforces compliance through the Missouri Department of Revenue's Financial Responsibility & Insurance Verification Program, which electronically verifies coverage.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive and Collision Coverage
Cost Overview
about $96/mo
Average car insurance spending in Missouri
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Insurance RatesFrequently Asked Questions
Is Missouri a no-fault insurance state?
No, Missouri is a tort-based liability state, not no-fault. The at-fault driver's insurance pays for damages they cause, and injured parties can sue the at-fault driver for costs exceeding policy limits. This system makes liability coverage limits critically important since you remain personally liable for damages beyond your policy maximum.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Missouri's 25/50/25 minimum is legally sufficient but financially inadequate for serious accidents where medical costs and vehicle values easily exceed these limits.
Full Coverage
Combines liability, comprehensive, and collision coverage to protect both your legal liability and your vehicle's value. Provides the most complete financial protection against Missouri's diverse risks from weather to uninsured drivers.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Pays the actual cash value of repairs or replacement minus your deductible regardless of fault.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage. Functions as backup liability coverage when the at-fault driver cannot pay.
Collision Coverage
Pays for damage to your vehicle from crashes with other vehicles or objects, regardless of who is at fault. Covers single-vehicle accidents that liability insurance never pays for.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed by your insurer with the Missouri Department of Revenue. Required after DUI convictions, driving without insurance, or multiple serious violations.