Missouri Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Missouri is $25,000 for injury, $50,000 for all injuries, and $10,000 in property damage. Commonly referred to as 25/50/10 coverage.

The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. (25/50)

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
If a driver can not provide proof of insurance at the time of an accident or during a traffic stop they will be ticketed. In the event you are ticketed for not carrying your proof of insurance you may also be required to show proof to the Dept. of Revenue.

Furthermore, 4 points will be assessed on the driver’s license. If a driver is caught driving uninsured, their license will be suspended.

DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Most minor/common violations only add 2 points, while more severe infractions add 12.

It only takes a total of 8 points within an 18 month period to lose your driving privilege in Missouri.


AutoCricket.com is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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