Getting around Missouri has come a long way since riverboats and dugout canoes were the main form of transportation on the state’s rivers and tributaries. Or since pioneers were last seen heading west for the Great Plains in their covered wagons. Today all Missouri registered motor vehicles are required to have auto liability insurance coverage. If you’re driving to the game in St. Louis, picking up barbecue supplies in Kansas City or on U.S. Route 65 from Springfield to Branson, make sure you’re covered with at least the minimum requirements for car insurance in Missouri. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Missouri auto insurance quote today.
Is car insurance required in Missouri? Yes.
All registered motor vehicles in Missouri must:
All Missouri vehicle owners must:
All Missouri drivers must:
To learn more about Missouri car insurance rates, get your Missouri car insurance quote today.
What is the minimum car insurance coverage in Missouri?
Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.
Talk to your Missouri Safeco agent for personal advice about product availability in your area and how much coverage is right for you.
What is proof of insurance?
It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Missouri drivers must be able to show evidence that they’re insured if asked to do so by a law enforcement officer.
Also, all car insurance companies in Missouri are required to report active insurance policies to the Missouri Department of Revenue on a monthly basis.
Is proof of insurance required in Missouri?
Yes. Proof of insurance in Missouri is required for:
Is electronic proof of insurance accepted in Missouri?
What is electronic proof of insurance?
Electronic proof of insurance allows Missouri drivers to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.
What is proof of financial responsibility?
It’s evidence that you have the have the ability to pay for potential damages caused by your car.
Is Proof of Financial Responsibility Required in Missouri?
Yes. There are several ways to establish financial responsibility with the Missouri Department of Revenue. The most common and easiest way is to buy Missouri auto liability insurance.
With standard coverage that meets Missouri minimum car insurance coverage requirements, Safeco Essential offers Missouri drivers an affordable blend of auto insurance coverage and value.
Offering more than standard coverage, Safeco Enhanced gives Missouri drivers the option to add more car insurance coverage options at a competitive price. Drivers who have been with Safeco for at least six years may also qualify for accident forgiveness.
With numerous built-in car insurance coverages like accident forgiveness, diminishing deductible, new car replacement and electronic lock and key replacement, Safeco Superior offers exceptional Missouri car insurance coverage with higher limits on some features.
Our premium level of coverage and value, Safeco Ultra auto insurance adds more features and coverages beyond those of Safeco Superior such as Roadside Assistance and loan and lease coverage.
In addition to car insurance coverage required in Missouri and our popular auto insurance coverage options, Missouri drivers also have the option to choose:
For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.
There are numerous ways to save and lower your Missouri car insurance rate. In addition to our popular car insurance discounts, Missouri drivers have even more opportunities to save.
Missouri drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.
Minimum age to get a driving instruction permit in Missouri: 15
Minimum age to get an intermediate license in Missouri: 16
Minimum age to get a full driver’s license in Missouri: 18
Drivers under the age of 21 are prohibited from texting and driving in Missouri.