Missouri Car Insurance
Missouri drivers must carry 25/50/25 liability under the Missouri Motor Vehicle Financial Responsibility Law (Mo. Rev. Stat. chapter 303)1. UM is compulsory at 25/50 on every policy and UIM must be offered under Mo. Rev. Stat. § 379.2032. Missouri is a traditional tort state and does not require PIP4.
YesWeSure Bottom Line
UM required, UIM must-offer. UM at 25/50 is compulsory on every Missouri policy. UIM is a different animal: it is a must-offer and the named insured may reject it in writing2.
Property damage minimum has moved. The property-damage floor rose from $10,000 to $25,000 effective January 1, 2023 under SB 5 of 20211.
How to make a real decision. Treat 25/50/25 as a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Missouri car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under the Missouri Motor Vehicle Financial Responsibility Law (Mo. Rev. Stat. chapter 303). Property damage minimum rose from $10,000 to $25,000 effective January 1, 2023 (SB 5 of 2021).
Personal Injury Protection (PIP)
Not required4
Missouri is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
25 / 50 UM BI required; UIM must-offer2
Mo. Rev. Stat. § 379.203 requires UM bodily-injury coverage at 25/50 on every Missouri personal auto policy. UIM is must-offer; the named insured may reject UIM in writing.
Coverage verification
Missouri DOR electronic verification3
The Missouri Department of Revenue administers electronic insurance verification. Confirmed lapse under Mo. Rev. Stat. § 303.041 can trigger driver license suspension and SR-22 filing for reinstatement.
Rate approval regime
Missouri DCI oversight4
Missouri does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
The Missouri Motor Vehicle Financial Responsibility Law (Mo. Rev. Stat. chapter 303) compels every registered Missouri vehicle to carry 25/50/25 liability1. The property-damage minimum rose from $10,000 to $25,000 effective January 1, 2023 under SB 5 of 2021. Many Missouri drivers carry higher limits.
PIP: not required in Missouri
Missouri does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM required at 25/50; UIM must-offer
Mo. Rev. Stat. § 379.203 requires UM bodily-injury coverage at 25/50 on every Missouri personal auto policy and requires insurers to offer UIM2. The named insured may reject UIM in writing or purchase it at offered limits.
DOR verification and lapse enforcement
The Missouri Department of Revenue administers electronic insurance verification5. A confirmed lapse under Mo. Rev. Stat. § 303.041 can trigger driver license suspension and SR-22 filing for reinstatement3. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Missouri does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4.
Where the Missouri situation rules live on YesWeSure
This State Guide owns the Missouri pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Missouri SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DOR consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Missouri. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/25 minimum liability under Mo. Rev. Stat. chapter 303 verified against the statutes. Property damage minimum rose from $10,000 to $25,000 effective January 1, 2023.
- StrongMissouri is a traditional tort state (no PIP) verified against the DCI consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM compulsory at 25/50 under Mo. Rev. Stat. § 379.203 verified against the statute. Every Missouri personal auto policy includes UM at the floor.
- StrongUIM must-offer under Mo. Rev. Stat. § 379.203 verified against the statute. UIM is not required at the floor; the named insured may reject UIM in writing.
- StrongDOR electronic verification under Mo. Rev. Stat. § 303.041 verified against the statute and the Missouri DOR consumer page.
- LimitedDeliberately omitted from V1. A Missouri modeled cost anchor; carrier-specific MO underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Missouri-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Missouri?
25/50/25 liability under Mo. Rev. Stat. chapter 3031, plus UM at 25/50 on every policy under Mo. Rev. Stat. § 379.2032.
Is Missouri a no-fault state?
No. Missouri is a traditional tort state and does not require PIP4.
Is UIM required in Missouri?
No. UIM is must-offer under Mo. Rev. Stat. § 379.203 but not required at the floor. The named insured may reject UIM in writing2.
Sources & methodology
- Mo. Rev. Stat. chapter 303 (Motor Vehicle Financial Responsibility Law): 25/50/25 compulsory liability (property damage raised from $10,000 to $25,000 effective January 1, 2023 under SB 5 of 2021). (Missouri Revisor of Statutes, TIER 1)
- Mo. Rev. Stat. § 379.203: Uninsured Motorist coverage compulsory at 25/50; UIM must-offer. (Missouri Revisor of Statutes, TIER 1)
- Mo. Rev. Stat. § 303.041: driver license suspension for lapse; SR-22 filing for reinstatement. (Missouri Revisor of Statutes, TIER 1)
- Missouri Department of Commerce and Insurance: Automobile Insurance consumer page. (Missouri Department of Commerce and Insurance, TIER 1)
- Missouri Department of Revenue: Motor Vehicle Financial Responsibility program page. (Missouri Department of Revenue, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Missouri Revised Statutes, Missouri Department of Commerce and Insurance, Missouri Department of Revenue). Every legal number traces to a Missouri primary source: Mo. Rev. Stat. chapter 303, §§ 303.041, 379.203. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .