Missouri car insurance laws require all vehicles and drivers to maintain both liability car insurance and uninsured motorist coverage (UIM). Any driver operating a vehicle without proper car insurance in place is subject to heavy fines and possible vehicle registration / drivers license suspension.
” It is ILLEGAL to drive with no car insurance in Missouri “
Non-residents driving in the state of Missouri must have car insurance which conforms to the requirements of their state. Visitors may also want to check their policy limits before visiting MO as Missouri does not operate under no fault car insurance laws.
Missouri Car Insurance Requirements
Whenever you register a vehicle or renew license plates in Missouri the Missouri Department of Revenue will require you to show proof of existing insurance before issuing tags. Currently (2010) Missouri car insurance laws require all drivers to have to least the following minimum levels of auto insurance coverage:
- $25,000 bodily injury liability coverage per person per accident
- $50,000 liability coverage for bodily injury per accident
- $10,000 in property damage insurance coverage
- Uninsured motorist coverage with the same minimum coverage requirements as bodily injury – $25,000 / $50,000
Uninsured motorist coverage is car insurance which provides coverage for damages and injuries sustained in a car accident with a driver who is uninsured and is at fault.
Missouri Car Insurance Rates
Using a national scale Missouri drivers pay right in the middle of national average car insurance premiums so while MO is not the cheapest state for car insurance Missouri is on par with most states in terms of what you can expect to pay.
The downfall with using any kind of national statistic is its almost impossible to group everyone into a national average. Many drivers opt for car insurance coverage with much higher limits than state minimum requirements due to the potential liability from healthcare costs associated with injuries from a car accident and even more take advantage of multiple car insurance discounts to get lower rates.
If you need car insurance in Missouri the best thing to do is learn about your car insurance options including the types of coverage available, policy limits, which deductible to choose and car insurance discounts. Once enough knowledge is gained start a car insurance comparison search online for Missouri car insurance companies.
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