Missouri car insurance requirements
Every driver in Missouri must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist | $25,000 per person / $50,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Missouri drivers should know
- Missouri requires at least 25/50/25 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Missouri requires uninsured motorist coverage on every policy.
Home insurance in Missouri
- Tornadoes, hail and severe thunderstorms drive most home claims, and many policies use a separate wind and hail deductible — check the dollar amount it works out to.
- Roof age and material can change your price a lot; impact-resistant shingles may earn a discount.
- The southeast sits on the New Madrid seismic zone — earthquake coverage is a separate add-on.
Ways to save in Missouri
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.