The Missouri auto insurance requirements stipulated by law are:

If you are the owner or operator of a motor vehicle in Missouri, you are required by law to insure that automobile with:

1) coverage of at least $25,000 per person/$50,000 per accident for injuries you cause to another

and

2) $10,000 for property damage.

Missouri’s Department of Revenue is keeping tabs on drivers to ensure they maintain their liability insurance policies. Should you allow your coverage to lapse, you’ll be subject to suspension of the vehicle’s registration and possibly your driver’s license.

Please note that these are minimums required by Missouri state law, not suggested coverage amounts. The simple fact is, each state’s minimum requirements are typically inadequate to sufficiently cover your costs should you be involved in a major accident. The shortfall will have to be made up out of your own pocket. Obviously, having to pay this difference could easily destroy one financially. Therefore, it is highly recommended to get much higher coverage amounts. Consult pages elsewhere on this site for recommendations in this regard.

Missouri Auto Insurance Requirements – More Information

For more information regarding auto insurance requirements in Missouri, contact the state’s insurance regulatory agency:

MISSOURI – DEPARTMENT OF INSURANCE

301 West High Street, P.O. Box 690
Jefferson City, MO 65102-0690 United States
Phone: 573-751-4126
FAX: 573-751-1165
Web: http://insurance.mo.gov
Description: W. Dale Finke, Director of Insurance

Note that this information is provided for as a general guide and is for reference purposes only and should in no way be considered legal advice. Contact the appropriate regulatory agency for the state in question for definitive answers that apply to that state.