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Missouri Car Insurance Quotes


Gateway Arch in Missouri
Known as the "Show Me State," Missouri is located in the upper Midwest. The state is famous for the Gateway Arch in St. Louis, which commemorates the starting point of the Lewis and Clark expedition that opened up the western United States for settlement. St. Louis is located on the Mississippi River, and has always been a significant trading port in the United States.

If you live in Missouri, it helps to know what your car insurance minimum requirements are. At the same time, expect recommend carrying as much liability insurance as you can afford. The additional cost is minimal compare to the additional coverage you get. Check some insurance quotes, comparing the cost of minimum statutory limited to higher limits, such as 100,000 per person and 250,000 per person. You'll be amazed at how affordable the extra coverage is. If you're moving to Missouri, the guide below should make your transition easier.

- Required Minimum Bodily Injury Coverage

  • $25,000 per injured person in an accident
  • $50,000 for all injured passengers

- Minimum Property Damage Requirements

  • $10,000 for damage to property or injury after an accident

- Optional Insurance Coverage

  • Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage
  • Must equal or exceed minimum bodily injury coverage. UM coverage is only available for liability auto insurance policies

For information about how much you can expect to pay for car insurance in Missouri, enter your zip code in the form on this page.


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Transferring Your Driver's License or Vehicle Registration in Missouri

New residents who want to transfer their vehicle registration will need to present proof of ownership paperwork that can include the current vehicle title from your previous state. If the vehicle is under a lien, you will need to obtain the lien from the lienholder so that a new Missouri title can be issued. You will also need to complete an application for Missouri title and license form. You can download the application form from the Missouri Department of Motor Vehicles website.

As a new Missouri resident, you will have 30 days to transfer your vehicle registration and driver's license. The only exemptions from this rule are those who are in Missouri to attend school or those who are in the state while they are on active duty with the military. If you are required to complete a driving test in order to gain a Missouri license, you will need to take your test at a Driver Examination Station.

Tax Liability Information

You must also present proof that you have paid all current Missouri taxes that may apply to your vehicle. You can prove your tax payment by obtaining a Missouri statement of non-assessment from your county collector's office. The statement needs to indicate that you do not currently owe any state or county taxes on your vehicle. A list of state tax collectors is available through the Missouri state website. If you are unsure of your standing, you can learn more about meeting your tax liability in Missouri by calling the collector's office during business hours Monday through Friday.

Proof of Insurance

Every vehicle owner in Missouri must carry at least the minimum car insurance requirements through a car insurance company that is licensed in the state. Before you can transfer your title and purchase a license plate, you must surrender a current copy of your proof of Missouri insurance. So, you may need to change insurance companies before you move. The proof can be in the form of an invoice, an insurance card, or you can have the insurance agency fax proof to the title office if you do not have physical proof available. Proof of insurance will not be returned to you.

Emissions and Safety Inspections

Vehicles in Missouri must pass annual safety inspections and odometer inspections in order to be registered. The safety inspection cannot be more than 60 days old when you request your vehicle registration transfer. Emissions inspections are also required for drivers in St. Louis or Franklin, Jefferson, and St. Charles counties. The safety inspection and odometer check can be performed at any authorized inspection station. Emissions and safety inspections will need to be completed every other year on each vehicle you own as long as the vehicle is registered in Missouri.

Surrendering Your Previous Driver's License

When you are ready to transfer your out of state driver's license, you will need to be prepared to surrender your current license. If your previous license has been stolen, lost, or damaged beyond recognition you can submit a letter of clearance from the motor vehicle department of your previous state to complete the license transfer. Without the previous license or letter of clearance, you will have to go through the standard new driver's license application process in order to receive a Missouri driver's license, which includes a written traffic exam and a physical driving test. Drivers who present current out of state licenses will not be required to pass written or physical driving tests unless the clerk believes it is necessary based on other factors.

Personal Verification Documents for Driver's License Transfer

You will need to prove your identity before you can be issued a new driver's license. Acceptable documents for proof of identity include your driver's license from your previous state, social security card, birth certificate, or proof that you are in the country legally. You will also need to provide proof that you are a current Missouri resident. Acceptable residential documents include utility bills, check stubs, or mortgage paperwork that includes your full name and your Missouri address.

Rules About Prior Suspensions or Revoked Licenses

If your driver's license has been suspended or revoked for any reason in your previous state, you will not be allowed to transfer to a new Missouri license until the previous suspension has been satisfied. You will need to present proof of your driver's license release from your previous state before you can apply for a Missouri license. Licenses that have been permanently revoked cannot be transferred under any circumstances. Missouri has access to a national database so that they will be able to track any previous problems you might have had regarding licensure in other areas of the United States.

Graduated Licensing for Younger Drivers

Drivers under the age of 18 are required to observe a graduated licensing program before they will be allowed to drive with normal licenses, regardless of the laws in their previous state. Missouri requires that each underage driver spend a specific amount of time driving with another licensed driver before driving alone. Once that criteria has been met, the young driver will be allowed to drive alone before 1:00 am and after 5:00 am as long as that driver follows all of the traffic laws and wears appropriate seat belts. When the driver turns 18, he or she can apply for a full driver's license with no restrictions.

Licensing Fees

The cost of obtaining a driver's license differs depending on your age and the type of license you are applying for. 15 year olds are eligible for a class F instructor permit, which is valid for 1 year and costs $3.50. Drivers 15 1/2 and older can apply for a class-M instructor permit, which is valid for 6 months and costs either $3.50 or $6.25 depending on your age. Intermediate driver's licenses for those 16 and older cost $7.50 and are valid for 2 years. A standard license is available for $22.50 for 3 years or $45.00 for 6 years.

Car Insurance in Missouri


Columbia Car Insurance
Florissant Car Insurance
Independence Car Insurance
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Springfield Car Insurance
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St Joseph Car Insurance
St Charles Car Insurance
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