Missouri (MO) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Missouri Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. This coverage includes underinsured motorist (UIM) coverage. If purchased, it must be at least the amount of the bodily injury coverage required. The offer of UM coverage only applies to automobile liability insurance policies.

Special Rules for Motorcycle Owners.

  • Insurance companies are not required to offer UM coverage to motorcycle owners.

Car Dealers by
ZIP Code