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.
What are Missouri's minimum liability insurance limits?⌄
For bodily injury, $25,000 per person and $50,000 per crash; for property damage, $25,000 per crash. The law also requires uninsured-motorist coverage of $25,000 per person and $50,000 per crash.
What can I use as proof of insurance?⌄
A current insurance ID card, a policy or binder copy, a paid receipt, a self-insurance certificate, a Department ID card, or a hand-held electronic device. Keep it in your vehicle so you can show it to an officer.
What happens if my license is suspended for having no insurance?⌄
For a first suspension you pay a $20 fee and file proof of insurance for three years. A second within two years adds a 90-day suspension and a $200 fee; a third or more brings a one-year suspension and a $400 fee.