Missouri car insurance: minimums, prices and your estimate
Missouri requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Missouri is an at-fault state where every policy must include uninsured motorist coverage, and state law does not let you reject it. The Missouri Department of Commerce and Insurance lists credit history, age and sex among the factors that can affect your rate.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Optional
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (usually 2 years)
What drivers in Missouri can expect to pay
Monthly ranges from our model, anchored to Missouri's position in 7 published price studies from 2025 and 2026 ($2,922 a year for full coverage and $801 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $209-$278 | $2,922 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $58-$76 | $801 |
| Young driver, full coverage20, own policy, clean record | $390-$584 | $5,844 |
| Senior, full coverage70, clean record | $201-$267 | $2,805 |
| After one at-fault accident35, full coverage | $314-$417 | $4,383 |
| After a DUI35, full coverage | $366-$549 | $5,493 |
| Poor credit35, clean record, full coverage | $373-$538 | $5,464 |
Build your Missouri estimate
Rules worth knowing in Missouri
- Uninsured motorist coverage for injuries must be at least 25/50. Underinsured motorist coverage is not required.
- There is no personal injury protection requirement, and medical payments coverage is optional.
- Insurers may use your credit report or credit-based insurance score, but they must tell you so when you apply. Credit alone cannot be the reason for a decision against you, and you must get a notice if one is made.
- Insurers cannot add a surcharge because you filed a comprehensive claim.
- Driving or registering a car without insurance or other financial responsibility is a misdemeanor, even the first time. Instead of a policy, you can use a bond, a deposit of money or securities, or self-insurance.
- The Missouri Department of Revenue generally requires an SR-22 for 2 years from the start of a suspension or revocation, but after a suspension for having no insurance you must keep proof of insurance for 3 years from the date you became eligible to reinstate.
Questions about Missouri car insurance
What is the minimum car insurance in Missouri?
Missouri requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Missouri per month?
For a 35-year-old with a clean record, our model puts full coverage at about $209 to $278 a month and state-minimum coverage at about $58 to $76. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Missouri a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Missouri use my credit score?
Yes. Many insurers in Missouri use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Missouri?
Only if a court or the state requires one, usually after a serious violation or a lapse. The Missouri Department of Revenue generally requires an SR-22 for 2 years from the start of a suspension or revocation, but after a suspension for having no insurance you must keep proof of insurance for 3 years from the date you became eligible to reinstate.