Missouri Insurance Requirements & Rates

Missouri requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). Missouri is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

Missouri homeowners face risks from tornadoes, flooding, severe thunderstorms, earthquakes. The flood risk level is moderate and earthquake risk is moderate. Standard deductibles apply. The average annual home insurance premium is $2,889.

Missouri requires all motorcycle riders to wear helmets. Lane splitting is not legal. The riding season is april–october.

Yes, workers' compensation insurance is required in Missouri. Businesses with fewer than 5 employees in certain sectors may be exempt. Missouri has approximately 550,000 small businesses, with top industries including Healthcare, Manufacturing, Agriculture.

Yes, Missouri has expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 10%.

Yes, landlords in Missouri can require tenants to carry renters insurance as a condition of the lease. About 32% of Missouri residents are renters, with average monthly rent of $900.

Missouri has an uninsured motorist rate of 16.4%, which is above the national average. Factors include severe thunderstorms, tornadoes, and hail across the state. The state requires uninsured motorist coverage to protect drivers.

With a median household income of $60,597, most Missouri families should consider 10-12x their annual income in life insurance coverage. Currently, 51% of Missouri households have life insurance.