Missouri Auto Insurance Information
Under Missouri law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance, as well as at least $25,000 in Property Damage Liability (PDL) coverage. BIL
pays for medical and other accident-related expenses for the other driver, pedestrian or cyclist when the
insured is at fault for the crash, while PDL pays for property damage to the other vehicle or related damage.
Neither BIL nor PDL pays for the insured’s own expenses. Keep in mind that these are the minimum required
amounts, and most drivers should purchase additional coverage to safeguard their personal assets in case of a
Drivers have the option of purchasing Medical Payments insurance, which pays their medical bills after an auto
Missouri also requires drivers to carry at least $25,000 per person and $50,000 per accident in uninsured
motorist insurance. It does not require underinsured motorist coverage. Uninsured and underinsured motorist
coverage does not cover property damage.
While the state does not require collision or comprehensive coverage, lenders will almost certainly mandate such
coverage for leased or financed vehicles
SR-22 Insurance in Missouri
Anyone whose license was suspended for a motor vehicle accident, whether in or out-of-state, must maintain
insurance on file with the Missouri Driver License Bureau (DLB) with an SR-22 form, a certificate of financial
responsibility. SR-22 insurance is required for three
years starting with the date of the suspension.
If someone has their license suspended because they were found driving without insurance, or with false
insurance, they must maintain an SR-22 filing the DLB for three years from the date of license reinstatement
Missouri Driver Statistics
Approximately 6.1 million people call the Show-Me State home, and about 4.2 million of them have driver’s
licenses. The state ranks 18th in population and 21st in size. Missouri’s central location in the US, sixth-best
highway system and the country’s fourth most diverse economy make for an attractive business environment,
according to the Missouri Department of Economic Development. Major industries include automotive supplies,
biosciences — with the state having the highest number of animal health and plant researchers in the nation —
financial and professional services, manufacturing, information technology, and transportation and logistics.
During the Civil War, Missouri was a border state, remaining in the Union even though it permitted slavery. As
settlers expanded westward, many went through Missouri, as the California, Oregon and Santa Fe Trails all
originated in the state. The Pony Express was also headquartered in Missouri. St. Louis’ Gateway Arch, one of
the state’s most famous landmarks and the world’s tallest arch, opened to the public in 1967 and commemorates US
Top attractions in Missouri include Branson, the country music capital of the universe, as it bills itself;
Silver Dollar City, a theme park devoted to Ozark culture; Wilson’s Creek National Battlefield, for Civil War
buffs; Mark Twain’s boyhood home in Hannibal; the Harry S. Truman Presidential Library and Museum in
Independence, and the National World War I Museum in Kansas City.
Missouri Auto Insurance & Accident Facts
In 2017, 923 people lost their lives on Missouri roadways, and 57,270 were injured. The number of fatalities
dropped by 2.5 percent over the previous year, while the number of injuries in 2016 was only slightly lower. The
majority of fatal crashes resulted from motor vehicles colliding with each other, followed by vehicles striking
fixed objects, such as trees or telephone poles. A total of 87 pedestrians were killed, and nine fatalities