Insurance Requirements for Car Registration in Missouri

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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.


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Pardeep

20 years of experience
652 reviews
Pardeep
20 years of experience
Ford Fusion - Brake Pads Replacement (Rear) - Fremont, California
Again 5 star service. And already scheduling him for my next appointment. Highly recommend Pardeep for your car needs.
Chevrolet Camaro - Brake Pads Replacement (Front) - San Jose, California
Great knowledgeable mechanic and fast great work. I will use Pardeep and your services again. Thank you

Theodore

15 years of experience
1137 reviews
Theodore
15 years of experience
Toyota Camry - Brake Pads Replacement (Front) - Everett, Washington
Theodore arrived on time, he did a great job replacing my brakes on my Camry, I will definitely work with him again.
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We have had previous work done by Theodore. Really appreciate his thoroughness and professionalism!

Matthew

32 years of experience
734 reviews
Matthew
32 years of experience
Jeep Wrangler - Brake Pads Replacement (Front) - Yorktown, Virginia
We've been using Your Mechanic services for a few years, for a few reasons. The convenience of having an expert mechanic "on-call," the great pricing and transparency for services (saving 10% - 25% at times), most of all Matt is our go-to guy who is highly qualified, knowledgeable in the work and knows how to explain it to us in detail.
Ford F-150 - Brake Pads Replacement (Front) - Newport News, Virginia
Matt's technical knowledge of his profession is incredible! He is prompt, thorough, friendly, professional, engaging, and completes the job to 100% perfection! Thank you, Matt for the most outstanding auto repair service in all my many years!!!

Jason

31 years of experience
162 reviews
Jason
31 years of experience
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Jason was very professional and friendly. He provided extremely honest and helpful advice on issues with my Altima that would require proactive future maintenance.

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