Missouri Car Insurance Laws

Good2Go Auto Insurance^® wants to get you affordable car insurance limits in Missouri so that you can get on the road for less.¹ But it’s important you know Missouri’s car insurance laws governing minimum limits plans so you can make sure you’re meeting the minimum legal requirements.

According to Missouri Department of Revenue, it is illegal to drive a motor vehicle without proper liability insurance. It is mandatory for the owner or operator of a vehicle to be covered for injuries sustained by others in an accident for at least:

$25,000 in bodily injury coverage per person
$50,000 in bodily injury coverage per accident
$10,000 in property damage per accident

Missouri law also requires a minimum level of uninsured motorist coverage. Uninsured motorist coverage helps to protect you if you are involved in an accident with an uninsured driver and they are at-fault. The minimum level of uninsured motorist coverage is:

$25,000 in uninsured coverage per person
$50,000 in uninsured coverage per accident

Missouri Penalties for Driving Without Car Insurance

The penalties for driving without car insurance in the state of Missouri include:

Four points against your driving record.
The court may enter an order of supervision to ensure automobile liability insurance is being maintained.
The court may enter an order suspending your driver’s license for failing to show proof of insurance:
- 1st suspension: 0 days
- 2nd suspension: 90 days
- 3rd and subsequent suspension: 1 year

After you serve the required period of suspension, your driver’s license can be reinstated if the Driver and Vehicle Services Bureau receives the following:

1st suspension: proof of insurance and $20 reinstatement fee
2nd suspension: proof of insurance and $200 reinstatement fee
3rd and subsequent suspension: proof of insurance and $400 reinstatement fee

Missouri DUI/DWI Laws and Penalties

In Missouri, drinking and driving is a serious offense. You can be arrested for a DUI in Missouri if your Blood Alcohol Concentration (BAC) is 0.08% or above. The limits are even more strict for those under 21 (0.00% BAC) and commercial drivers (0.04% BAC).

Being convicted of a DUI in Missouri is a serious offense and can result in steep fines, required ignition interlock devices, license suspensions, and jail time. Penalties become more severe depending on the number of convictions and include:

First Drunk Driving Conviction:
- Up to 6 months in jail
- Up to $500 fine
- License suspension – 30 days full suspension
- License suspension – 60 days restricted (after serving 30 day full suspension)
- $45 license reinstatement fee
- Missouri SR-22 insurance requirement (proof of insurance)
- Ignition interlock device possible
Second Drunk Driving Conviction:
- Up to 1 year in jail
- Up to $1,000 fine
- License suspension for 1 year
- License suspension for 5 years (if within 5 years of a previous DUI conviction)
- $45 license reinstatement fee
- Missouri SR-22 insurance requirement (proof of insurance)
- Ignition interlock device required after reinstatement; may be allowed after 1 year
Third Drunk Driving Conviction:
- Up to 4 years in jail
- Up to $5,000 fine
- License suspension for 10 years
- $45 license reinstatement fee
- Missouri SR-22 insurance requirement (proof of insurance)
- Ignition interlock device required

Missouri Cell Phone Driving Laws and Texting While Driving Laws

Missouri currently has no law prohibiting the use of cell phones while driving. However, drivers who are 21 years of age or younger are banned from texting while driving.

Missouri SR-22 Insurance Documents

The state of Missouri requires proof of financial responsibility for up to three years after your license is reinstated after a suspension. This proof of financial responsibility is known as an “SR-22 insurance document.” The following circumstances may require you to file an SR-22:

Loss of license due to more than 8 points
Loss of license due to Motor Vehicle Accident Judgment (must maintain SR-22 for two years)
Loss of license due to DUI
Loss of license due to failure to maintain insurance (must maintain SR-22 for three years)

Once you have auto insurance, your insurer can help you file your SR-22 insurance document electronically with the Missouri Driver and Vehicle Services Bureau so that you can get back on the road fast.

Cheap Car Insurance in Missouri

If you’re looking for cheap car insurance in Missouri, Good2Go Auto Insurance may be able to help. We help you find low down payments and easy monthly payment options to get you on the road for less.¹

Start Your Free Missouri Quote Online. You’ll be happy you did.

¹Consult with an attorney to see if it is illegal to drive without insurance in your state. Quote times on partner sites may vary. Prices vary based on the state where you reside, the coverage limits you purchase, and other underwriting factors.