Missouri Auto Insurance Laws
Auto Insurance Laws and Trends in MO
In Missouri, if you cancel your insurance policy, allow it to lapse, or fail to purchase insurance, then you will be subject to fines and suspension of your driving privileges. The Department of Revenue tracks all insurance policies and regularly audits drivers.
Liability limits for Missouri auto insurance
Everyone who owns a vehicle is required to purchase the minimum liability limits, except those who own federal, state, or municipal vehicles. The minimum limits in Missouri are $25,000 per person and $50,000 per accident for bodily injury and $10,000 per accident for property damage. Missouri is a tort insurance state, so the person who is deemed responsible for causing the accident will have to pay these expenses.
Failure to provide proof of auto insurance will result in an automatic 4 points on your driver's license, suspension of driving privileges, and a supervision order. This means that your driving record will be monitored by the state. You will also be required to obtain a SR-22 for a period of 3 years. SR-22 is essentially a high risk insurance that is more expensive than a regular insurance policy.
Facts about Missouri auto insurance
In 2006, Missouri was ranked as the 36th most expensive state for auto insurance. The average insurance premium was $673, compared to the national average of $817.
Month |
Missouri (in $) |
National Avg (in $) |
January |
136 |
153 |
February |
135 |
152 |
March |
136 |
152 |
April |
136 |
151 |
May |
132 |
149 |
June |
132 |
150 |
In Missouri, the penalties are quite severe if you are caught driving under the influence of drugs or alcohol.
- 1st offense: 30 -day suspension, $500 fine, 180 days in jail
- 2nd offense: 5 -year suspension, $1000 fine, plus mandatory interlock (at your expense)
- 3rd offense: 10 -year suspension, $5000 fine, 5 years in jail, mandatory substance abuse program