Minimum car insurance in Missouri.
What Missouri requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Missouri, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Missouri is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM required at 25/50.
What the minimum means in practice
Say a crash you cause injures three people. The Missouri minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Missouri
A conviction for failing to show proof of insurance adds four points, and the court may suspend driving privileges for 0 days (first), 90 days (second) or one year (third and later). Reinstatement fees are $20, $200 and $400 for those suspensions, and the pages read state no fine amount.
Proof of insurance
Drivers must keep proof of insurance in the vehicle at all times and show it when registering or renewing plates; insurers report policies to the Missouri Insurance Verification System (MOIVS).
SR-22 and similar filings
An SR-22 filing is required as proof of liability insurance after an accident, kept for three years from the date the driver is eligible to reinstate, or two years from the suspension start for court judgment suspensions.
Also worth knowing in Missouri
Accidents involving an uninsured motorist within the past year must be reported if they caused more than $500 in property damage or any injury or death.
Your state regulator
Missouri Department of Commerce and Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Missouri a no-fault state?
Missouri is generally an at-fault state.