Missouri

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

UM Only

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2002-07-01

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.

Official Source

Missouri Department of Revenue

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.