Insurance Requirements for Car Registration in Missouri

Missouri law states that all vehicle owners are required to maintain auto insurance, or “financial responsibility,” in order to legally own or operate a vehicle.

The minimum financial responsibility requirements for Missouri drivers are as follows:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

  • A minimum of $25,000 per person for uninsured motorist coverage. This means that you’ll need a total of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $110,000 to cover bodily injury and property damage.

Other types of financial responsibility

Most drivers in Missouri pay for insurance plans to cover the requirements of liability to drive, but the state also recognizes a few other methods of securing financial responsibility. These methods include:

  • Surety bonds

  • Real estate bonds

  • Cash deposits

  • Certificates of self-insurance, for businesses and religious organizations

Missouri Automobile Insurance Plan

If you are a high-risk driver, insurance companies have the right to deny coverage. In this case, Missouri maintains the Missouri Automobile Insurance Plan program, to ensure that all drivers have access to the required legal liability insurance. Under this plan, you can apply for insurance through any authorized insurance provider.

Proof of insurance

Missouri drivers are required to carry proof of insurance in their vehicles at all times. If you do not have proof of insurance when a law enforcement officer asks for one, you can be issued a traffic ticket. You must also have proof of insurance when registering a vehicle.

Acceptable forms of proof of insurance include:

  • Insurance ID card from an authorized insurance company

  • An image of your insurance card on your mobile phone or other electronic device

  • An SR-22 Proof of Financial Responsibility document, which is a verification that you carry the legal requirements for insurance. It is usually only required by those drivers who have been previously convicted of DUIs or reckless driving.

  • A certificate or legal documentation from the Department of Revenue proving the self-insurance, or proving the cash deposit or bond used to secure financial responsibility.

Violation penalties

The state of Missouri has several penalties that apply to those who are faced with insurance violations:

  • Driver’s license and vehicle registrations suspension of a period from 90 days to 1 year

  • A reinstatement fee that begins at $20 for the first instance; $200 for the second instance; and $400 for further instances

  • Required SR-22 filing for the following three years

If you cannot prove that you have insurance when stopped by an officer, you may also receive these penalties:

  • Four points on your Missouri driving record

  • An order of supervision, meaning your insurance status will be monitored by the Driver License Bureau.

For more information, contact Missouri Department of Revenue through their website.


Next Step

Schedule Oil Change

The most popular service booked by readers of this article is Oil Change. YourMechanic’s technicians bring the dealership to you by performing this job at your home or office 7-days a week between 7AM-9PM. We currently cover over 2,000 cities and have 100k+ 5-star reviews... LEARN MORE

SEE PRICING & SCHEDULING

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Recent Oil Change reviews

Excellent Rating

(21,777)

Rating Summary
20,456
847
179
87
208
20,456
847
179
87
208

Greg

22 years of experience
47 reviews
Greg
22 years of experience
Ram 1500 - Oil Change - Phoenix, Arizona
I really appreciate the time Greg took to answer all my questions and thoroughly explain what was working as expected and recommended repairs. He didn't try and upsell me on anything other than the immediate recommended services, and alerted me of the 15 safety recalls my truck currently has. Very professional, efficient, and knowledgeable. Would highly recommend.
Lexus LC500 - Oil Change - Tempe, Arizona
Informed me correctly that tires on a Lexus LC500 does not need tire rotation and yet YourMechanic.com recommended it more than once and sent a technician before him to rotate my tires for which I was charged.

Nazareth

27 years of experience
193 reviews
Nazareth
27 years of experience
Jaguar XJ - Oil Change - Covina, California
First time using YourMechanic and I was extremely satisfied with the service. Nazareth was very friendly, punctual and professional. I definitely will continue using his services on my vehicle. Thank you Nazareth!
Ford Escape - Oil Change - Whittier, California
Nazareth was on time, very friendly, very courteous, and professional. Nazareth ensured all my questions were answered and ensured the car was good to go via a test drive.

LAVELL

27 years of experience
100 reviews
LAVELL
27 years of experience
Honda Accord - Oil Change - San Francisco, California
Lavell was extremely friendly and professional, and even showed up early and finished early. Would happily recommend him to anyone looking for a mechanic.
Buick Encore - Oil Change - Oakland, California
Another home run! Really appreciate the flexibility regarding my service appointment. Due to my work schedule I desperately needed a late appointment. So grateful my car is receiving top shelf professional service. Replaced a oil pan drain plug that was seriously damaged and stripped by a competitor that will NEVER get my business again! All services were quickly completed. Thank you so much for another great experience with my.... Your Mechanic Lavell 5 ⭐️ Service consistently.

John

27 years of experience
777 reviews
John
27 years of experience
Nissan Pathfinder - Oil Change - Friendswood, Texas
John was extremely personable and explained everything. Showed up on time and made sure everything was working right before he left. Couldn’t have a better mechanic to rely on.
Kia Seltos - Oil Change - Houston, Texas
Arrived early, was super nice, had the job done in no time. Was able to find his way around my new with no problems even though he hadn't worked on that type before. Will be requesting him for future maintenance.

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

Related articles

Top 5 Insurance Myths You Shouldn’t Fall For
Car insurance is mandatory when you own a car. Stolen item protection and mechanical repairs are common misconceptions about what insurance covers.
Insurance Requirements for Car Registration in Hawaii
The The state of Hawaii requires that all drivers carry automotive insurance, or “financial responsibility,” in order to operate a vehicle legally. Hawaii is a no-fault state, meaning that your insurance pays for your damages and bills in the event...
How to Insure a Car With Modifications
There There are a lot of reasons why vehicle owners may make customizations to a car, from getting a custom paint job to reflect a favored color to making internal tweaks to satisfy a need for speed. While cosmetic modifications...

Related questions

Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...

My park 2003 Cadillac Escalade was hit on the front driver side knock a foot from where it was parked and back up on the center is.

Due to the collusion on the vehicle, the exhaust system was damaged and causing excessive air to get into the exhaust before the oxygen sensors. If the engine light was not on before the accident and now it is on,...

A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...

How can we help?

Our service team is available 7 days a week, Monday - Friday from 6 AM to 5 PM PST, Saturday - Sunday 7 AM - 4 PM PST.

1 (855) 347-2779 · hi@yourmechanic.com