Auto Insurance Requirements In Missouri
Missouri Auto Insurance
According to Missouri state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request. While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits. It’s also important to note that, while Missouri law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.
Car Insurance Policy Requirements in the state of Missouri
Missouri law mandates that every automobile insurance policy sold in the state must have these minimum coverages:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property
Penalties and Violations
If you are caught driving without insurance in Missouri, Depending on the circumstance, you could incur serious penalties if you’re caught driving without the required insurance in Missouri. You could lose your driving privileges for an entire year and be forced to pay a $400 reinstatement fee, on top of a $500 fine and/or 15 days in jail. In addition, “no insurance” tickets can never be removed from your record in Missouri.
You are also deemed fully responsible for any financial repercussions should you cause an accident and not have any insurance to cover the cost of the damage.
Choosing the insurance that’s actually right for you may seem overwhelming. It’s important to make sure you’re adhering to the law in whatever state you live. Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road. Getting the right insurance is just a few steps away.