MISSOURI GUIDE 02
Required Auto Insurance & Minimum Limits in Missouri
Missouri requires motor-vehicle liability insurance meeting minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage. Missouri also requires uninsured motorist coverage at the statutory bodily-injury minimum, while underinsured motorist coverage is generally contractual rather than mandated by the same statute.
- Confirm the declarations page, covered vehicle and actual liability limits.
- Identify mandatory UM coverage and determine whether the policy separately provides UIM coverage.
- Investigate owner, household, employer, commercial, umbrella and excess coverage where the facts support additional policies.
- Do not assume statutory minimums represent the total insurance available after a serious crash.
Primary Missouri Sources
Current-law review: September 16, 2026. Confirm the policy actually issued and the governing law for the date of loss.
VictimsGuide 