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Missouri’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Missouri:

Is it mandatory to have car insurance in Missouri?  


What are the minimum limits for Missouri? 

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



Dairyland® coverage in Missouri

At Dairyland, we’re proud to be able to help drivers in Missouri meet their insurance needs. Here are some of the parameters of our insurance coverage in Missouri:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Missouri?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Missouri? Can a customer reject them?

Bodily Injury, Property Damage, and Uninsured Motorist Bodily Injury are mandatory and can’t be rejected.

What are all the coverages Dairyland offers in Missouri?

  • Bodily Injury
  • Property Damage
  • Uninsured Motorist
  • Underinsured Motorist
  • Medical Payments
  • Comprehensive
  • Collision
  • Rental Reimbursement
  • Special Equipment
  • Towing and Labor

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Missouri? 

20 years 

How far back does Missouri go to look at violation history? 

3 years

What additional policy types are offered in Missouri?

Named Non-Owner

Is an insurance score used in my rating in Missouri? If so, is it mandatory? 

Yes, an insurance score is used for rating in Missouri, but you can opt out.

What policy terms does Dairyland offer in Missouri?  

6 months

What is Dairyland’s minimum down payment option in Missouri?  

16.7% and five installments

Are SR22s used in Missouri?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

SR22s are available, filed electronically at no charge.

What discounts are available from Dairyland in Missouri?

  • Multi-car
  • Homeowners
  • Prior insurance (transfer)
  • Paid in full
  • Advanced quote 
  • Quarterly 

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