Missouri law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage.

Any person who registers a motor vehicle must have liability insurance. Motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. You must keep some proof of insurance in your vehicle at all times. If a law enforcement officer asks for proof of insurance and you cannot show it, the officer will issue you a ticket.

The Department of Revenue will be notified that you do NOT have insurance on your vehicle or the vehicle you drive if you are in an accident or a police officer asks you to show proof of insurance. At any time, the Department of Revenue may also ask you to prove you have insurance.

If you are the owner or operator of a motor vehicle in Missouri, you are required by law to insure that automobile with coverage for injuries you cause to another, in at least $25,000 per person, $50,000 per accident of bodily injury liability, and $10,000 for property damage liability coverage.

Also $25,000 in bodily injury uninsured motorist that can be made to one person involved in a single accident, including you and $50,000 is the maximum bodily injury uninsured motorist payment that can be made to all persons involved in a single accident, including you is required.

A minimum liability insurance policy might be shown as 25/50/10, BI, PD, and 25/50 UM. BI means bodily injury liability, PD means property damage liability, and UM means uninsured motorist coverage. Uninsured motorist coverage is thus required while underinsured motorist is an optional additional coverage. For more information on insurance laws of MO contact the Missouri Department of Insurance.

For a Missouri car insurance quote for the minimum state requirements or including optional coverages click here.