Missouri Auto Insurance — Minimums, Rates & Costs
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 under a tort liability system, meaning the at-fault driver is financially responsible for injuries and damage they cause. All drivers must carry proof of insurance and present it during traffic stops or after accidents.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
$61–$92/mo
Typical monthly rate in Missouri, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The only coverage Missouri law requires. Pays for injuries and property damage you cause to others, but nothing for your own vehicle or medical bills. Missouri's 25/50/25 minimum is among the lowest in the nation and is exhausted quickly in serious accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage. Required by lenders but often not cost-effective for vehicles worth under $4,000 — two years of premiums may exceed the car's total value. Evaluate whether the annual cost justifies the potential payout after your deductible.
Uninsured Motorist Coverage
Pays your medical bills and vehicle repairs if you're hit by a driver with no insurance or inadequate limits. Missouri law requires insurers to offer this, and you must reject it in writing to decline.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault, minus your deductible. Only cost-justified if your vehicle is worth significantly more than two years of premiums plus the deductible.
Comprehensive Coverage
Covers theft, vandalism, hail, flood, animal strikes, and other non-collision damage minus your deductible. Missouri experiences frequent spring hail and tornado activity, plus deer collisions in rural areas.
SR-22 Insurance
Not a separate coverage type — it's a state filing proving you carry minimum liability insurance after certain violations like DUI, reckless driving, or driving uninsured. Missouri requires SR-22 for two years, and your insurer charges $20–$35/year to file and maintain it.