Who regulates auto insurance in Missouri?

The Missouri Department of Commerce and Insurance licenses carriers and agents and enforces auto insurance requirements. Visit insurance.mo.gov for consumer resources.

What minimum auto insurance is required in Missouri?

Missouri requires minimum liability and uninsured motorist coverage. Verify current minimums at insurance.mo.gov.

Is Missouri an at-fault state?

Yes — Missouri is an at-fault state with pure comparative fault. The at-fault driver's liability coverage pays for damages.

Should Missouri drivers carry comprehensive coverage?

Given Missouri's significant hail and tornado risk, comprehensive coverage is practically valuable. Review carrier claims-handling ratings for weather-related claims.

Car Insurance in Missouri

Q: Does Missouri require uninsured motorist coverage?

Yes — Missouri requires uninsured motorist coverage alongside minimum liability insurance.

Missouri's diverse driving environment spans Kansas City and St. Louis metros alongside rural Missouri with severe weather risk (tornadoes, hail, ice). The state requires uninsured motorist coverage alongside minimum liability.

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