Missouri Car Insurance Quotes

Missouri law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage. Unfortunately, each year thousands of Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. The result of this ranges from unpaid collision damage claims to higher insurance premium rates for all Missourians.

Any person who registers a motor vehicle must have liability insurance. Motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. You must keep some proof of insurance in your vehicle at all times. If a law enforcement officer asks for proof of insurance and you cannot show it, the officer will issue you a ticket.

Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions. The minimum level of coverage required by state law is:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.
• $10,000 for damage to 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.

The Department of Revenue will be notified that you do NOT have insurance on your vehicle or the vehicle you drive if you are in an accident or a police officer asks you to show proof of insurance. At any time, the Department of Revenue may also ask you to prove you have insurance.