Missouri Car Insurance

Car Insurance in Missouri

In the state of Missouri you can satisfy the states requirements of financial responsibility two ways. The easiest way is by securing an auto insurance policy through a state licensed insurance company. The other way is by providing the Department of Revenue the necessary information listed under the alternatives tab. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Missouri online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Missouri requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$10,000 per accident for property
The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Accepted proof of insurance:

A current insurance card or copy from your insurance company (they will issue you one).
A receipt from the insurance company with your name, vehicle information, and policy number on it.
The actual current insurance policy or binder, if you haven’t received an insurance card yet.
A Financial Responsibility ID card from the Driver and Vehicle Services Bureau, if you filed a bond or certificate of deposit.

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For more information about insurance in the state of Missouri you can contact the Missouri Department of Revenue at 573-526-3669 or visit the Missouri Department of Revenue web site.

Outside of purchasing auto insurance to meet your financial responsibilities in the state of Missouri you can apply  for the following insurance alternatives. These alternative options will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter.

Approved insurance alternatives:

In lieu of maintaining a liability insurance policy, you (an individual) may submit one of the following in the amount fo $60,000 as proof that you can and will pay for damage caused by your vehicle(s):
Surety Bond;
Real Estate Bond or
Deposit of Cash or Negotiable Securities (e.g., stocks, bonds, CD's, etc).

Want to compare alternative cost with insurance? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Missouri you can contact the Missouri Department of Revenue at 573-526-3669 or visit the Missouri Department of Revenue web site.

The state of Missouri takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

It is illegal to drive a motor vehicle in Missouri without automobile liability insurance. The vehicle driver must show proof of insurance to any law enforcement official, upon request, or a traffic ticket may be issued to the driver. Three things may occur for failing to show proof of insurance:
The court will send the conviction to the Driver License Bureau. The conviction will be entered on the driver’s driving record and four points will be assessed. It only takes a total of eight points within an 18-month period to lose your driving privilege in Missouri.
The court may enter an order of supervision. This order is sent to the Driver License Bureau so that the driver can be monitored to ensure automobile liability insurance is being maintained.
The court may enter an order suspending the driver’s driver license for failing to show proof of insurance. This order is sent to the Driver License Bureau at which time the driver is notified of the suspension of his or her driver license.

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For more information about insurance in the state of Missouri you can contact the Missouri Department of Revenue at 573-526-3669 or visit the Missouri Department of Revenue web site.