Missouri Auto Insurance Guide for New Drivers
Missouri requires 25/50/25 liability coverage and is an at-fault state.
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Missouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Missouri operates under an at-fault tort system, meaning the driver responsible for an accident pays for damages through their liability insurance. The state requires all drivers to carry proof of financial responsibility — typically an insurance card — and police can verify coverage electronically through the Missouri DOR database.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Bodily Injury
Collision Coverage
Comprehensive Coverage
Cost Overview
$307/mo
Typical monthly rate in Missouri, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
1am-5am
Passengers
no more than 1 passenger younger than 19 first 6 months, then max 3
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
Is Missouri a no-fault state for car insurance?
No, Missouri is an at-fault (tort) state, meaning the driver who causes an accident is legally responsible for paying all resulting damages through their liability insurance. If you're found at fault, your liability coverage pays for the other party's medical bills and vehicle repairs up to your policy limits. Missouri does not use the no-fault system that requires drivers to file claims with their own insurers regardless of fault.
Coverage Types
Liability Insurance
Liability coverage is the foundation of any Missouri auto policy — it pays for injuries and property damage you cause to others in an at-fault accident. The premium is the monthly amount you pay to keep coverage active, and the limits (like 25/50/25) are the maximum dollar amounts your insurer will pay per accident before you become personally responsible for the rest.
Full Coverage
Full coverage combines liability, collision, and comprehensive into one package that protects both your legal responsibility and your own vehicle regardless of fault. The deductible is the amount you pay out-of-pocket before insurance covers the rest — a $500 deductible means you pay the first $500 of repair costs, and your insurer pays the remainder.
Comprehensive Coverage
Comprehensive covers damage to your car from events other than collisions — theft, vandalism, fire, falling objects, hitting an animal, hail, and flood. You choose a deductible (commonly $250, $500, or $1,000), and the insurer pays repair or replacement costs above that amount up to your vehicle's actual cash value.
Collision Coverage
Collision pays to repair or replace your vehicle after an accident with another car or object, regardless of who was at fault. Like comprehensive, you select a deductible — the portion you pay before insurance kicks in — and the insurer covers the rest up to your car's actual cash value.
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage pays your medical bills, lost wages, and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. Missouri law requires insurers to offer this at the same limits as your liability unless you reject it in writing.
SR-22 Insurance
An SR-22 is not a separate insurance policy but a certificate your insurer files with the Missouri Department of Revenue proving you carry at least minimum liability coverage. Missouri requires an SR-22 after certain violations like DUI, driving without insurance, or multiple at-fault accidents, and you must maintain it for a period specified by the state (typically 2–5 years).