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Missouri Minimum Car Insurance and Penalties for Driving Without It
The short answer
Missouri requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM 25/50.
Missouri at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Uninsured motorist coverage is required at no less than $25,000 per person and $50,000 per accident. |
| First offense for driving uninsured | Driving without insurance is a Class D misdemeanor with a fine of up to $500 and no jail. The court must suspend your driving privilege, add four points, or order supervision (supervision no more than once in 36 months). The suspension ends when you pay the reinstatement fee and show proof of insurance; an SR-22 is not required unless an uninsured party was in an accident. |
| Repeat offense | A second or later violation carries up to 15 days in county jail and a fine of $200 to $500. The suspension is 90 days with one prior within two years, and one year with two or more priors. |
| Fee to restore after a lapse | $20 with no prior violation, $200 with one prior within two years, and $400 with two or more priors. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Missouri?
Missouri requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM 25/50.
What happens if you drive without insurance in Missouri?
Driving without insurance is a Class D misdemeanor with a fine of up to $500 and no jail. The court must suspend your driving privilege, add four points, or order supervision (supervision no more than once in 36 months). The suspension ends when you pay the reinstatement fee and show proof of insurance; an SR-22 is not required unless an uninsured party was in an accident.