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Minimum Required Liability Insurance Laws in Missouri

Missouri Insurance Resources

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Information on Auto Insurance Laws in Missouri

Missouri has requires that every driver has some amount of liability insurance. The mandatory minimum required amounts for each state can vary, so visit the Missouri minimum auto insurance section to learn about the minimum required liability limits in MO.

What are the Missouri laws regarding buying a vehicle?

Missouri law states that a recent car buyer has 30 days from the date of purchase of the vehicle to get the title and to pay sales tax on the car. Failure to get it titled within 30 days results in a title penalty of $25. The penalty increases another $25 for every 30 days up to a maximum penalty of $200.

What are Missouri’s titling laws?

The Missouri Department of Revenue offers a lot of useful title information. It provide’s a manual that provides updated information that describes titling laws related to the sale of new and used vehicles. You may learn how you may gain proof of ownership, how to apply for a statement of origin, and how to issue temporary permits to vehicle purchasers.

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What happens if I am involved in an accident with an uninsured driver?

Missouri law states that you may file an accident report if:

  • It occurred under 1 year ago
  • The property damage is over $500 -OR- a person was injured or killed.
  • Note: You may file a police report if the damages are under $500, but the law differs. For more info, see the Department of Revenue’s FAQ’s

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