Missouri operates under a tort system for auto insurance laws.  Under a tort system, a driver is responsible for any damages caused by an accident if the accident is their fault.  Since Missouri uses the tort system, drivers are legally required to carry liability insurance when driving a vehicle.  Liability insurance pays for damages to people and/or property.  Missouri also requires motorists to carry uninsured motorist protection insurance, in order to protect drivers from uninsured motorists.  Uninsured motorist protection will help cover costs in the event of an accident with an uninsured person.

Q: “What is the minimum amount of auto insurance coverage that I need in Missouri?”

Missouri’s minimum amount of coverage required by law is seen on a policy as 25/50/10.  This means that a driver is required to have coverage that allots $25,000 for personal injury, $50,000 for bodily injury for all persons involved, and $10,000 for property damages.  For drivers in Missouri, uninsured motorist protection of 25/50 is required.  This means that $25,000 for personal injury is required and $50,000 for all persons.  Again, these are all minimum amounts.  Make sure to protect yourself with the right amount of coverage.

Compare Missouri Car Insurance Rates Online

Its important to do some homework when it comes to auto insurance rates.  The more informed you are, the better deal you can get! Missouri’s average auto insurance rates are average compared to nation wide, making it extremely easy to get a good deal if you shop around.  Autoinsurancebystate.com lets customers receive multiple rates from the top insurance companies with just a zip code.  Make sure you get a good deal!

Current Providers in Missouri

For More Information

Missouri Department of Insurance
PO Box 690
Jefferson City, MO 65102-0690