Missouri Car Insurance Requirements

Minimum Coverage Requirements

Missouri requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Missouri

Drivers in Missouri typically pay approximately $1,560 per year ($130/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Missouri

State Regulations and Key Rules

Missouri is an at-fault state. Uninsured motorist coverage is required. Missouri uses a pure comparative fault system, meaning drivers can recover damages proportional to the other party's fault even if they are mostly at fault.

What Makes Missouri Unique

Missouri's pure comparative fault system is more permissive than most states — even a driver who is 90% at fault can recover 10% of their damages from the other party. This influences litigation patterns and insurance pricing.

Uninsured Drivers in Missouri

Approximately 16.4% of drivers in Missouri are estimated to be uninsured.

Risk Factors Specific to Missouri

Missouri sits in Tornado Alley and experiences frequent severe weather including tornadoes, hail, and ice storms. St. Louis has elevated vehicle theft rates. Spring flooding along the Missouri and Mississippi Rivers periodically affects roadways.

What Missouri’s Minimum Actually Covers

Missouri’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Missouri

Missouri also requires uninsured motorist coverage, which pays when the at-fault driver has no insurance or too little.

How Missouri Compares: Uninsured Drivers and Price

An estimated 16.4% of Missouri drivers are uninsured — roughly 1 in 6 — a middle-of-the-pack uninsured rate. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,560 a year puts Missouri above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Missouri

St. Louis and Kansas City have significantly higher rates than the rest of Missouri — suburban drivers on either side of these metros can save by confirming accurate garaging addresses. Missouri's pure comparative fault system drives higher litigation rates, making dashcams a worthwhile investment. Good driver discounts are competitive among major carriers in Missouri.

• Missouri's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since PIP isn't required in Missouri, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 16.4% of Missouri drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Missouri?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is Missouri a no-fault state?

No. Missouri is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Missouri?

Yes. Missouri requires uninsured motorist coverage.

How many drivers are uninsured in Missouri?

An estimated 16.4% of Missouri drivers are uninsured, roughly 1 in 6.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.