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Missouri motorcycle insurance

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 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.

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

Motorcycle rides 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.
  • 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.
  • 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.

Sites to see in Missouri 

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!

Get insured and ride on.

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