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Motorcycle insurance requirements in Missouri

Missouri doesn't have any requirements for unique forms of motorcycle insurance. Instead, here are the minimums you must meet:

  • $25,000 in bodily injury coverage/person
  • $50,000 in bodily injury coverage/incident
  • $25,000 in property damage coverage/incident

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:

  • $25,000 bodily injury/person 
  • $50,000 bodily injury/incident

Does Missouri have any optional motorcycle insurance coverage?

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:

  • Underinsured Motorist Coverage to protect you if the at-fault driver's liability is too low to cover the damage or medical expenses
  • Optional Medical payments (if you don't want it, you must reject it)
  • Comprehensive coverage to replace your bike if it’s stolen (Missouri had over 1,100 motorcycle thefts in 2015, ranking 11th in the country)

Missouri motorcycle insurance discounts

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:

  • Advance quote
  • Anti-theft
  • Bike replacement (loyalty)
  • Claim free renewal
  • Garaging
  • HOG® member
  • Homeowner
  • Motorcycle endorsement
  • Multi line
  • Multi vehicle
  • Operator safety course
  • Paid-in-full
  • Prompt payer
  • Rider group 
  • Transfer

Sites to see in Missouri

Route 66

Route 66 is one of the first highways in the U.S. Highway System. It runs from Chicago to Los Angeles, passing through states including, Kansas, Oklahoma, and Arizona along the route. It can take 10 to 14 days to ride the entire 2,448 miles of the famous highway. 

In Missouri, Route 66 takes you through small towns, past farmlands, rolling hills, roadside churches, and even a few historical landmarks that receive upkeep from the National Park Service Route 66 Corridor program. Other roadside sites to experience include Six Flags St. Louis, the Missouri Botanical Gardens, and the limestone caves known as Meramec Caverns. It’s a classic tourist trap promoted by signs along Route 66.

Forest Park

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.

City Museum

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.

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. 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!

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