Missouri insurance shopping
Shopping for car insurance in Missouri? Know what uninsured motorist coverage does not cover.
Missouri requires uninsured motorist bodily injury coverage, but the state is clear about one common misunderstanding: that required coverage does not pay to repair your vehicle.
Missouri auto rules
What car insurance does Missouri require?
$25,000
Bodily injury to one person.
$50,000
Bodily injury to everyone in one accident.
$25,000
Property damage liability per accident.
Missouri also requires uninsured motorist bodily injury coverage.
A common mistake
Does Missouri uninsured motorist coverage repair my car?
No. Missouri’s required uninsured motorist coverage is for bodily injury. It can help with covered injuries caused by an uninsured or hit-and-run driver, but it does not pay for ordinary damage to your vehicle.
If you want protection for your own car after a covered crash, collision is one of the main coverages to review.
Minimum versus complete
Why can a legal Missouri policy still leave gaps?
The legal minimum focuses on liability and required uninsured motorist bodily injury. It does not automatically include collision, comprehensive or underinsured motorist protection.
If a cheaper quote removes one of those coverages or raises a deductible, make sure you understand what changed before you switch.
Compare correctly
What should I compare on Missouri quotes?
- Liability limits.
- Required uninsured motorist bodily injury limits.
- Underinsured motorist options.
- Collision and comprehensive coverage.
- Deductibles.
- Drivers, vehicles and mileage.
Switching
Why should I avoid a gap in coverage?
A recent lapse can create problems when you shop again. Confirm the replacement policy is active before canceling the old one. A one-day gap is not worth the risk.
Primary sources
Missouri sources
Missouri Department of Commerce and Insurance: Auto Insurance FAQs
Missouri Department of Commerce and Insurance: Auto Insurance Guide
Related questions
What should you look at next?
Shopping next step
Ready to compare your options?
You now know what to look for before you focus on price. Ensurance helps people shop for better insurance prices and coverage options through one protected request, so you can keep the important details together instead of starting over again and again.
Updated September 18, 2026. Ensurance is a U.S. insurance-shopping company. This page is educational. Insurance prices, availability, eligibility and policy terms vary. Licensed insurance professionals handle policy-specific advice and available options.