Missouri Car Insurance Laws

Learn how much property and bodily liability insurance is required to operate a motorized vehicle in Missouri. Discover if you have proper coverage and if not what the penalties and fines are for continuing to drive without the minimum insurance coverage ...     read more

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Department of Insurance Contact Information

Missouri Dept. of Insurance
P.O. Box 690
Jefferson City, MO 65102

Consumer Hotline

N/A

State Department Website

http://insurance.mo.gov/

File Complaint Website

http://insurance.mo.gov/consumer/complaints/index.htm

State Regulation

All vehicle owners and drivers must have auto liability insurance coverage.

Drivers must show proof of insurance when registering a car or renewing license plates.

Missouri's minimum liability amounts are: $25,000 per person for bodily injury, $50,000 per collision for bodily injury, and $10,000 per collision for property damage.

All drivers must carry uninsured motorist coverage. The minimums are $25,000 per person for bodily injury and $50,000 per accident for bodily injury.

Provided you meet certain requirements, instead of liability insurance you can file a surety bond or other types of securities, a real estate bond, or you can self-insure.

Insurance is NOT required on:

Off-highway vehicles

Non-registered nonoperational vehicles

Penalties:

The MO DOR may suspend your driving privileges for up to one year if you fail to maintain a valid auto insurance policy for your vehicle. To get your license back after a suspension, you'll need to pay a reinstatement fee and provide proof of a valid insurance policy for three years following the date of the suspension. - The court may decide to suspend your driver's license - The citation will be entered on your driving record, and four penalty points will be placed against your license - The court may order the Driver License Bureau to supervise you to verify that you maintain appropriate auto liability coverage

Failure to maintain proper insurance could lead to the suspension of your license and vehicle registration. You may also be assessed four (4) points for any conviction for failure to maintain Financial Responsibility. It only takes a total of eight (8) points within an 18-month period to lose your driving privileges in Missouri.

If your driving privileges and/or license plates are suspended for not having insurance, the following suspension periods may apply: - 1st suspension = 0 days - 2nd suspension in two years = 90 days - 3rd and subsequent suspension = 1 year *** After the period of suspension, your driver license and/or license plates can be reinstated if the Driver License Bureau receives the following: - 1st suspension: Proof of insurance and $20 reinstatement fee; - 2nd suspension: Proof of insurance and $200 reinstatement fee; or - 3rd and subsequent suspension: Proof of insurance $400 reinstatement fee.

If you drive while your license is suspended for failure to meet the Financial Responsibility requirements, you may be subject to a fine of up to five hundred dollars ($500) or imprisoned not exceeding six (6) months, or both.

Requirements Regarding Proof of Insurance: Proof Required - When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving

Penalties For Not Carrying Mandatory auto insurance: Registration/license revocation plus fee for reinstatement

Min Coverage:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

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