Missouri Auto Insurance Facts

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The state minimum auto insurance coverage in Missouri

Liability Coverage Minimum Description
Bodily Injury Per Person $25,000 Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $10,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Uninsured/Underinsured Motorist Minimum Description
Bodily Injury Per Person $25,000 The maximum your insurance would pay for your injuries or your passengers injuries in the event of an accident involving an uninsured or underinsured driver.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out per accident involving an underinsured or uninsured driver.

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Other types of auto insurance you can add to your policy are:

Collision coverage

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

Comprehensive coverage

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

Medical payments

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

Personal Injury Protection (PIP)

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.




Licensed % vs. Uninsured %


Insurance in Missouri

Minimum liability

Minimum Liability

Number of insurance agencies

Number of Insurance Agencies

Annual premium state

Annual Premium State

Driving laws

Max speed limits

Max Speed Limits
70 MPH

Miles of highway

Miles of Highway

DUI legal limit

DUI Legal Limit

Weird driving laws in state

Weird Driving Laws in State

It is illegal to drive with an uncaged bear.

Texting laws

Texting Laws

Under 21 banned from texting while driving

Most stolen vehicles

Most Stolen Vehicles
  1. 2000 Dodge intrepid
  2. 1998 Jeep cherokee/grand cherokee
  3. 2000 Dodge caravan
  4. 2005 Dodge ram pickup
  5. 1999 Ford taurus
  6. 2004 Ford F150 pickup
  7. 2004 Dodge stratus
  8. 2000 Pontiac grand prix
  9. 1996 Oldsmobile cutlass
  10. 1994 Ford explorer






Days of snowfall

Days of Snowfall

Popular cities

Popular Cities

Jefferson city
Kansas city

Scenic drives

Scenic Drives

Little dixie highway

State parks

State Parks

Ha Ha Tonka state park

Elephant rocks state park

Table rock state park