Missouri Car Insurance Laws— All You Need to Know

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Missouri’s state-mandated limits for liability coverage follow a 25/50/10 pattern, meaning you must have $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $10,000 in property damage coverage per accident.
The car insurance comparison and broker app Jerry has compiled everything you need to know about car insurance in Missouri—plus, Jerry can help you find the cheapest rates for your car insurance, whether you’re driving in Missouri or another state!
Here’s all you need to know about car insurance for driving in Missouri.
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Minimum car insurance requirements in Missouri

Missouri’s minimum liability coverage limits require bodily injury liability and property damage liability and follow a 25/50/10 pattern.
Minimum Liability Coverage: 25/50/10Uninsured Motorist Bodily Injury (UMBI) Coverage
$25,000 bodily injury per person$25,000 per person
$50,000 bodily injury per accident$50,000 per accident
$10,000 for property damage per accident

Bodily injury liability coverage in Missouri

Bodily injury liability covers medical expenses for other drivers or passengers in an accident where you are at fault. This includes expenses like hospital and ambulance bills. Your bodily injury liability coverage will even cover you if another driver decides to sue you—but only within the limits of your policy.

Bodily injury liability limits

Missouri’s state-mandated limits for bodily injury liability are $25,000 coverage per person and $50,000 total coverage per accident (if 2 or more people are injured). A “limit” is the maximum amount your policy will cover for a particular type of insurance.
Once you hit your policy’s limits, you will be liable for any remaining expenses.
Let’s say you purchase the minimum required limits for bodily injury liability in Missouri. If you cause an accident that harms multiple people and results in $75,000 in medical expenses, your insurer will only cover $50,000 of that—and you will have to pay out-of-pocket to cover the remaining $25,000.
You can usually purchase higher limits with your insurer by paying a slightly higher monthly premium. If you can afford it, you’re best off raising your limits for liability coverage in Missouri.
Bodily injury liability does not cover your own medical expenses if you are at fault in an accident. Add personal injury protection (PIP) to your car insurance to get your own injury protection coverage in accidents where you’re at fault.
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Property damage liability coverage in Missouri

Property damage liability covers any expenses for damages to other drivers’ vehicles and/or property in an accident where you are at fault.

Property damage liability limit

Missouri’s state-mandated limit for property damage liability is $10,000 per accident.
A $10,000 limit can easily be exhausted if you are at fault in a collision—for instance, if you cause a collision that totals two other vehicles, you could easily be looking at $30,000-$40,000 in property damage costs (if not more).
It’s definitely a good idea to purchase a higher property damage liability limit with your insurance provider. This will cause a small rise in your monthly premiums, but can save you thousands of dollars in the long run. Remember, after your limits are hit, you are on the hook for additional money owed.
Jerry can help you find a policy with higher liability limits that won’t break the bank.
Key Takeaway Missouri’s limits for liability insurance are $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident. These limits can be quickly exhausted if you cause a serious collision, so you’re best off purchasing higher limits with your insurance provider.

Uninsured motorist bodily injury (UMBI) coverage in Missouri

Uninsured motorist bodily injury (UMBI) coverage covers you in the unfortunate case that you are a victim of a car accident where the at-fault driver does not have insurance. UMBI coverage will cover medical expenses like ambulance and hospital bills.

Uninsured motorist bodily injury (UMBI) limits

Missouri’s state-mandated limits for UMBI coverage are $25,000 per person and $50,000 per accident (if 2 or more people are injured).
You should note that you could easily hit these limits if you get into a bad collision—medical bills can often cost upwards of $40,000-$50,000 if your injuries are severe. Consider purchasing higher limits for your UMBI coverage—Jerry has everything you need to find the best rates on your UMBI coverage.

Missouri is an “at-fault” state

Missouri is an “at-fault” state (or tort state), which means that at-fault drivers (and their insurance providers) are financially responsible for all property damages and bodily injury costs stemming from an accident.
If you are the victim of a car collision in Missouri, you have a few options for what to do:
File a claim with your own insurance company. This is a good option if your costs are covered under your policy. If you are not at fault, your provider may make a subrogation claim against the at-fault driver’s insurance provider. File a third-party claim with the at-fault driver’s insurance provider. File a personal injury lawsuit against the at-fault driver.
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Optional car insurance coverage in Missouri

If you are wanting more coverage for driving in Missouri, you’re in luck! There are lots of optional types of insurance coverage you can buy:
  • Personal injury protection (PIP) can cover your medical expenses if you are injured in an accident—regardless of who is at fault.
  • Comprehensive coverage can cover the costs of physical damages to your vehicle that are not the result of a collision (e.g. vandalism).
  • Collision coverage can help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object.
  • Medical payments coverage covers the cost of medical bills or funeral expenses resulting from a collision.
  • Roadside assistance helps with things like fixing flats, towing, or jump-starting a battery. The type of coverage will vary between policies and companies.
  • Rental car reimbursement will cover the cost of a rental vehicle if you are unable to drive your car.
Key Takeaway Missouri is an “at-fault” state, which means at-fault drivers (and their insurers) are financially responsible for covering damages and injuries incurred from a collision. Along with purchasing higher limits, you can opt-in to buy additional types of car insurance coverage in Missouri.

Where to buy car insurance in Missouri

Looking to start driving in Missouri? Or, are you tired of your ridiculously high car insurance rates? You’re in luck!
The car insurance comparison and broker app Jerry can help you find all the coverage you need for driving in Missouri. Jerry compiles the cheapest insurance quotes from the nation’s top insurance providers to give you the best policy options—all in one place.
Jerry gets your information from your past or current provider, so you can spend your time picking a policy—and not on phone calls or paperwork.
The best part? The average Jerry customer saves nearly $900 a year on their car insurance—and it’s completely free!
“I’ve been putting off searching for new car insurance for a while now and then I found Jerry! The ease and efficiency that they provide made the process totally stress-free. I especially loved that they generated all of the proper forms to send my current provider for cancellation and provided online signatures abilities. Thank you!” —Satisfied Jerry user
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Is Missouri a no-fault insurance state?

No. Missouri is an at-fault insurance state, which means that the at-fault driver in an accident is responsible for the costs of damages from that accident—this includes expenses like hospital bills and property damage.
If you are an at-fault driver, your insurance provider will assume the financial responsibility for damages up to your policy limits. After your policy limits are exhausted, you will be on the hook for covering any remaining expenses.
Since Missouri is an at-fault state, make sure you purchase higher limits for your liability insurance —really, you should purchase the highest limits you can reasonably afford.

Does insurance follow the car or the driver in Missouri?

Insurance follows the car in Missouri. This means that if you lend your car to someone else, your policy will cover them as a driver of your vehicle.
This includes Missouri’s required bodily injury liability, property damage liability, and uninsured motorist bodily injury coverage, as well as additional coverages like collision and comprehensive coverage.
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