Mandatory Insurance — Missouri Driver's License Practice Test

Missouri law requires every vehicle owner and operator to carry liability insurance (financial responsibility), and you must show proof when you register a vehicle or renew your plates. This section explains the coverage you need, the ways to prove it, and what happens if you drive uninsured or cause a crash you cannot pay for.

The minimum liability limits are $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 per crash for property damage; the law also requires uninsured-motorist coverage of $25,000 per person and $50,000 per crash. Keep proof of insurance — such as a current ID card, a policy copy, or an SR-22 filing — in your vehicle at all times, because you get a ticket if you cannot show it to an officer.

If your driving privilege is suspended for lacking insurance, a first suspension is cleared by paying a $20 fee and filing proof of insurance for three years; a second within two years adds a 90-day suspension and a $200 fee, and a third or more brings a one-year suspension and a $400 fee. Leaving the scene of a crash is a crime, and you must file an accident report (Form 1140) with the Department within 30 days when the crash involved an uninsured party and over $500 in damage, injury, or death.