Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
If you are not a resident of Missouri, you must show proof that their vehicle meets the insurance requirements of your state of residence. If you become a Missouri resident, then you may be able to keep your car insurance policy you have from your previous state of residence if it meets Missouri minimum coverage requirements. Contact the Missouri Department of Revenue at 573-526-3669 for more information on keeping your car insurance policy from another state.

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Do I need to cancel my insurance if I am moving to another state?
If you are moving to another state, you may have to apply for car insurance in your new state. Car insurance minimum coverage laws vary from state to state. You may not need to cancel, but you may have to raise or lower your coverage. Find out if your current insurance company will cover you in the state that you are moving to. Some insurance companies are local to your particular state, even some national companies do not operate in every state. You should find the best insurance company for you in your new state before deciding whether or not tocancel your Missouricar insurance policy.

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How can I avoid a license suspension if I choose not to insure my vehicle?
If you choose not to have insurance for vehicle and you want to avoid getting your driver s license suspended in Missouri, then you may have a few options. In lieu of car insurance, you may maintain proof of financial responsibility. You can show financial responsibility in the form of:
  • Surety Bond worth at least $60,000
  • Real Estate Bond equity worth at least $120,000
  • Cash or Negotiable securities deposit submitted to the State Treasurer s Office in the amount of at least $60,000.

If you cannot show financial responsibility and you chose not to insure your vehicle, then you risk having points added to your driving record and having your driver s license suspended.

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If I have been in an accident, what property damage do I have to report?
If you have been in an accident and suffered damages to your vehicle, you need to contact your auto insurance provider as soon as possible and make a claim. Property damage coverage is one of the forms of minimum liability car insurance required by Missouri state laws and protects you in case of damages caused to the vehicles or property of others.If you have been involved in an accident with an uninsured driver or an auto accident that resulted in damages over $500, you need to complete a Motor Vehicle Accident Report Form 1140 which can be obtained from the Driver License Bureau, the MO DOR and your insurance company.

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If I live outside of the state for half the year, am I still required to have car insurance?
If you are a resident of the state of Missouri, you must maintain minimum liability insurance coverage for the duration of the year. If you are a Non-resident of the state of Missouri, then you must follow the insurance guidelines of your state of residence. If you can show financial responsibility of at least $60,000 in case of an accident then you may use your financial resources in lieu of the car insurance requirement. Contact the Missouri Department of Revenue at 573-526-3669 for more information on part-time resident car insurance requirements.

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If I own multiple vehicles, am I required to have them all insured?
All vehicles operated in Missouri must show proof of financial responsibility. Therefore, drivers who own multiple vehicles must have some form of auto coverage for all of the vehicles in their possession. Many MO insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. However, keep in mind that rates and discounts offered by insurance companies vary, so make sure to check with your car insurance provider first to find out if the multi-car discount is available and whether you are eligible for it.

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What is the minimum liability insurance coverage?
In the state of Missouri, you are required to have at least minimum liability car insurance coverage on your vehicle. The minimum liability coverage must include:
  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property

Also, you must also have uninsured motorist coverage in the amount of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

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What proof of insurance can I provide when registering my car?
When registering your car, the Missouri DMV you must show proof of liability insurance coverage. Below is a list of some of the most common ways in which drivers show proof of car insurance:
  • Copy of insurance ID card
  • Copy of temporary policy
  • Paid insurance receipt

You must also show proof of insurance when renewing your license plates.

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What type of car insurance am I required to have?
You are required to have at least liability car insurance in the state of Missouri. You will have to show proof of insurance when you register vehicle and also when you renew your license plates. The minimum car insurance coverage is to include:
  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property

You must also have uninsured motorist coverage in the amount of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. You are required to have proof of insurance when pulled over by a law enforcement officer.

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What will happen if I fail to get or keep car insurance?
In Missouri, you must be able to provide proof of car insurance upon the request of the Department of Revenue or of a law enforcement official. If you fail to get car insurance then you could face:
  • Conviction of driving without insurance and the addition of 4 points on your driving record
  • Order of Supervision where you will be monitored for compliance with the minimum liability law
  • Your driver s license may be automatically suspended

If you accumulate 8 or more points in 18 months, your driver s license will be suspended.

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Which types of vehicles need to be insured?
Missouri law states that all motor vehicles must have some type of liability insurance. If your vehicle is to be driven on public roads, then it needs to be insured.

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