Missouri Car Insurance Requirements

The state of Missouri follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages.


In Missouri, you must have one of the following:

  • Auto liability insurance.
  • A bond or deposit for $60,000 left with the Department of Revenue (DOR)
  • A real estate bond on file with the DOR.
  • Self-insurance (applies only to dealers with more than 25 vehicles).

If you choose the auto insurance route, you must have a minimum of:

  • Bodily injury: $25,0000/person and $50,000/accident
  • Property damage: $10,000/accident

Proof of Insurance and Financial Responsibility

When you register your car, you must also sign an affidavit at the DOR stating that you will maintain insurance during the registration period. If you drive with no insurance at all, your license will automatically be suspended, and you’ll have to pay fees to get it back.

For more information:


Department of Revenue

Harry S Truman State Office Building
301 West High Street

Jefferson City, MO 65101