States
Missouri minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Missouri minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Missouri's duty sits in section 303.025 and its figures in section 303.190: $25,000 for one person, $50,000 for two or more, and $25,000 for property. The first violation is a class D misdemeanor. A later one can bring up to 15 days in the county jail and a fine of at least $200 and at most $500. The court may suspend the driving privilege, and the length is set in section 303.042, which we did not read. Section 303.041 adds a second route that does not need a court: the director of revenue can act on a finding that financial responsibility was not maintained, and the suspension follows the owner onto any vehicle to which the registration moves. Renewing the registration does not end it either. That is the point most easily missed by someone who sold the car or changed vehicles.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Missouri
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Missouri.
What else we read for Missouri
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Class D misdemeanor on a first violation; later violations bring up to 15 days in jail and a fine starting at $200. A court may suspend the driving privilege (RSMo 303.025). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.