Missouri law requires that all motor vehicle 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.

Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions. The minimum level of coverage required by MO state law is:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $10,000 per accident for property

Missouri law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

The MO Department of Revenue (DOR) 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. 

In Missouri if a driver is cited and convicted of failing to show proof of insurance, one of three things will happen to the driver according to the DOR:

1. The court will send the conviction to the Driver License Bureau. The conviction will be entered on the driver’s driving record and four points will be assessed. It only takes a total of eight points within an 18-month period to lose your driving privilege in Missouri
2. The court may enter an order of supervision. This order is sent to the Driver License Bureau so that the driver can be monitored to ensure automobile liability insurance is being maintained.
3. The court may enter an order suspending the driver’s driver license for failing to show proof of insurance. This order is sent to the Driver License Bureau at which time the driver is notified of the suspension of his or her driver license.

If you were ticketed for driving without insurance in MO then contact the court listed on your citation or the DOR to get more information on what penalties you may receive.