Car Insurance in Missouri
Car Insurance Liability Requirements in Missouri
Minimum Liability Limits in MO: 25/50/10 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Missouri
Auto Insurance Coverage Requirements in MO [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Car Insurance Verification Laws in Missouri
Insurer Verification of Auto Insurance in MO [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurer must verify randomly selected insurance policies upon request. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Missouri Car Insurance Facts, Estimates & Related Laws
Missouri Car Insurance Facts
Average Car Insurance Rates in MO
Missouri had the 33rd highest auto insurance rates in the nation in 2010.
[ 2] Rates in MO ranked 33rd in the nation in 2009.
[ 2] In 2008, MO had the 36th highest rates in the country.
Number of Auto Insurance Policies in MO
Missouri ranked 17th in the nation in auto insurance policies in 2011 with a total of 4,250,331.
Uninsured Motorist Rate in MO
The uninsured motorist rate in MO ranked 22nd in the nation in 2009.
Missouri Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for drivers 21 and younger. [ 7]
Young drivers cell phone ban? No
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Missouri Automotive Laws
Safety Belt Laws in MO
Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in front seat.
[ 7] Child restraint law in place for 3 years and younger or less than 10 pounds must be in a child restraint; 4 - 7 years between 40 and 80 pounds and 4-feet-9-inches or shorter in booster seat.
Motorcycle Helmet Laws in MO
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in MO
Renewal cycle: 6 years
Missouri Auto & Driver Facts
Missouri Automotive Facts
Speed Limits in MO
Rural interstates: 70 mph
[ 7] Urban interstates: 60 mph
[ 7] Other roads: 65 mph
Motor Fuel Consumption in MO
Missouri cities collectively ranked 14th in the nation in total motor fuel consumption in 2011.
Missouri Licensed Drivers
Licensed Drivers in MO [ 10]
Total Drivers: 4,277,037
MO has the 18th most drivers in the U.S.
Minimum Driving Age in MO [ 5]
Missouri has a minimum driving age of 15 years.
Missouri Auto Registrations
Auto Registrations in MO [ 8]
Registered Cars: 2,440,765
Registered Trucks: 2,572,195
Registered Motorcycles: 140,947
Total Registrations: 5,169,994
Rank: Missouri ranked 18th in the United States in total auto registrations in 2011.
Additional information about Missouri
Missouri has a population of approximately 5,988,927, which ranks 18th in the U.S. among all states.
More about Missouri auto insurance
For more information about auto insurance in MO, or for additional resources regarding
Missouri car insurance, visit the Missouri Department of Insurance.
Did you know?
As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration