Updated April 2026
Minimum Coverage Requirements in Missouri
Missouri requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers who accumulate 8 points in 18 months face suspension and may need SR-22 certification to reinstate their license. SR-22 filing is also required for DUI convictions, major violations, and uninsured accidents. These minimums provide baseline compliance but often leave high-risk drivers exposed to out-of-pocket costs after an at-fault accident.
How Much Does Car Insurance Cost in Missouri?
High-risk auto insurance rates in Missouri vary widely based on violation type, age, location, and coverage limits. A single DUI typically increases premiums by 80–120%, while minor speeding tickets may add 20–30%. Drivers with SR-22 requirements generally pay $2,160–$4,800 annually, though rates begin to decline after 3 years if no additional violations occur.
What Affects Your Rate
- Type of violation: DUI increases rates far more than a speeding ticket or minor at-fault accident
- Number of points on your Missouri driving record and how recently they were added
- Whether SR-22 filing is required and for how long it must remain active
- City and ZIP code: urban areas like St. Louis and Kansas City see higher rates due to accident frequency and uninsured driver rates
- Credit-based insurance score, which Missouri allows insurers to use in underwriting and rating
- Time since violation: rates drop significantly after 3 years and return closer to standard after 5 years with a clean record
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Sources
- Missouri Department of Revenue - Driver License Bureau
- Missouri Code of State Regulations Title 12 - Insurance
- National Association of Insurance Commissioners (NAIC)