Missouri motorcycle insurance

Illustration of Gateway Arch in St. Louis, MissouriIllustration of Gateway Arch in St. Louis, Missouri

Missouri is home to 313 miles of Route 66 and plenty of attractions you can reach by motorcycle. Mostly prairie, the state is divided by rivers and streams, making it a highly ridable and inviting destination. Motorcycle insurance laws in Missouri are straightforward—as easy to navigate as its roadways.

What’s required of all motorcycle riders in Missouri?

If you ride a motorcycle in Missouri, you need a Class M motorcycle license or permit, or a driver's license with an M endorsement. You can apply for a motorcycle learning permit when you're 15½ years old (15 years and 182 days). 

Everyone 25 years old and under who rides in Missouri is required by law to wear a helmet with shatterproof face protection, which can be a face shield or protective goggles. Your bike must also be in good working order, meaning your wheels, brakes, tires, and exhaust system must be fully operational.

Additionally, all motorcycle lights must be working correctly. That includes your headlight, taillight, and turn signals. In Missouri, signaling is required, but you can use hand signals versus turn signals if you wish.

For more information regarding motorcycle laws in Missouri, please visit the Missouri Department of Revenue.

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Prepare for your Missouri ride

Make sure your motorcycle is in is in ride-ready condition.

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Motorcycle insurance requirements in Missouri

Here are the minimums you must meet to ride legally in Missouri:

  • $25,000 in bodily injury liability per person

  • $50,000 in bodily injury liability per incident

  • $25,000 in property damage liability per incident

You also need uninsured motorist (UM) coverage, which can help protect you in the event of an incident with an at-fault rider who doesn't have insurance. The minimum required is:

  • $25,000 bodily injury per person 

  • $50,000 bodily injury per incident

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Your coverage questions, answered

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Does Missouri have any optional motorcycle insurance coverage?

In addition to the coverages you’re required to have, you can get various other forms of insurance in Missouri. We have plenty of options to help protect you and your bike, including:

Underinsured motorist (UIM)

If you’re involved in an accident with an at-fault motorist who has some insurance, but not enough to cover your related expenses, you could be left paying out-of-pocket for something that wasn’t your fault. UIM coverage can help reduce those expenses.

Medical payments

Medical payments coverage can help pay for hospital bills and other covered expenses following an accident. Insurers in Missouri are required to offer this coverage; if you don’t want it, you can reject it in writing.


Comprehensive coverage can help pay for repairs to your bike if it’s damaged by something other than a collision, such as theft, vandalism, or weather events like hail.

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The factors behind your insurance rates

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Missouri motorcycle insurance discounts

To help you enjoy even more affordable rates on your motorcycle insurance, we offer money-saving insurance discounts:

  • Advance quote

  • Anti-theft

  • Bike replacement

  • Claim-free renewal

  • Garaging

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Paid-in-full

  • Prompt payer

  • Rider group 

  • Transfer

Motorcycle rides in Missouri
Waterfall in the Ozarks in Missouri

For a relaxing motorcycle ride through the northern Ozark Mountains, look no further than Missouri’s Lazy 8. This route features plenty of camping, hiking, and sightseeing opportunities.

Road winding through a forest

When you find a motorcycle route the locals call “the Wing of the Dragon,” you know you’re in for a great ride. Our rider’s guide to this Missouri route includes safety tips, must-see stops, and more.

Road with Route 66 written on it

Route 66 is the embodiment of American road culture, making it the perfect route for your next cross-country motorcycle ride. We offer a state-by-state guide to the attractions you’ll find along the way.

Want to explore Missouri off the beaten path? We have coverage options for your ATVs, UTVs, and dirt bikes.

Get a Missouri motorcycle insurance quote

Once your insurance is set, you've got your helmet ready, and your bike is in tip-top shape, you can get on the road in Missouri and enjoy some beautiful riding.

Get insured