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.
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 15 ½ 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.
Missouri doesn't have any requirements for unique forms of motorcycle insurance. Instead, here are the minimums you must meet:
You also need uninsured motorist coverage, which protects you in the event of an incident with an at-fault rider who doesn't have insurance. The minimum required is:
In addition to the coverage you’re required to have, you can get various other forms of insurance in Missouri. At Dairyland, we have plenty of options to help protect you and your bike. We provide:
The average annual cost of a motorcycle insurance policy with Dairyland is about $720, or $60 per month. To enjoy even more affordable rates, we offer money-saving insurance discounts:
St. Louis's Forest Park was named the best city park in America in a 2016 Readers' Choice Poll conducted by USA Today. The park is 1,236 acres and includes the Missouri History Museum, the St. Louis Zoo, Science Center, and Art Museum. As you walk the picturesque park, you'll pass through terrain comprised of meadows, prairies, wetlands, and a variety of water bodies like ponds, man-made lakes, and freshwater streams.
The City Museum, aka "The Museum of Mirth, Mystery, and Mayhem," is a giant funhouse. But don't think it's just for kids. Located in St. Louis, the attraction has a ten-story spiral slide that takes you from the top floor to the first, hand-sculpted tunnels snaking throughout the building, and mirrors that bend and contort your appearance. There’s also a beautiful cacophony with aspects of sea and forest blended into a single, surreal landscape. If adventure and discovery thrill you, don’t miss the City Museum experience.
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. And don't forget, The Show-Me State is also legendary for its road food, ranging from BBQ to sliders. Get a quote, get covered, and start your journey!