Auto Insurance Minimum Requirements
Missouri requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Missouri is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
UM is legally required at a minimum limit of 25/50 for bodily injury. UIM remains entirely optional.
SR-22 Filings
Required for a continuous 3-year term following insurance compliance lapses or point suspensions.
Alternatives to Insurance
A real estate bond or a cash/securities certificate of $60,000 deposited with the Department of Revenue.
Fine
Up to $500
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Missouri?
Missouri requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Missouri a no-fault state?
No, Missouri is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Missouri?
Yes. Missouri requires uninsured motorist (UM) coverage. UM is legally required at a minimum limit of 25/50 for bodily injury. UIM remains entirely optional.
What happens if I drive without insurance in Missouri?
Driving without insurance in Missouri can result in fines of Up to $500 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Missouri?
SR-22 filings are used in Missouri for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a continuous 3-year term following insurance compliance lapses or point suspensions.
What does 25/50/25 mean in Missouri?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Missouri Department of Revenue
More Missouri Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Missouri Department of Revenue publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.