Missouri car insurance statutes
Every figure on the Missouri pages comes from a numbered section of Missouri law or from the agency that administers it. This is the whole list — 16 laws and 10 agency pages — so you can go straight to the section you need, or check what we read before we wrote a number down.
Statutes and session laws
- RSMo § 301.100.3read September 22, 2026
registering a vehicle within 30 days of residency
Used on moving here
- RSMo § 302.304read September 22, 2026
license re-suspended when proof of financial responsibility is not kept up
Used on sr-22
- RSMo § 303.020(10)read September 22, 2026
proof of financial responsibility, 25/50/25
Used on minimum coverage
- RSMo § 303.024read September 22, 2026
insurance ID card, showing it to officers
Used on coverage lapse
- RSMo § 303.025read September 22, 2026
duty to maintain financial responsibility, penalties
Used on driving uninsured, fault system
- RSMo § 303.040read September 22, 2026
reporting crashes to the director of revenue
Used on crash reporting
- RSMo § 303.042read September 22, 2026
suspension periods and reinstatement fees
Used on driving uninsured
- RSMo § 303.044read September 22, 2026
three-year proof after a no-insurance suspension
Used on sr-22, driving uninsured, coverage lapse
- RSMo § 303.170read September 22, 2026
proof of responsibility by insurance certificate
Used on sr-22
- RSMo § 303.190read September 22, 2026
motor vehicle liability policy, required limits
Used on minimum coverage
- RSMo § 303.370read September 22, 2026
penalty for not reporting a crash
Used on crash reporting
- RSMo § 307.350read September 22, 2026
two-yearly safety inspection and exemptions
Used on moving here
- RSMo § 379.203read September 22, 2026
uninsured motorist coverage required
Used on minimum coverage
- RSMo § 537.765read September 22, 2026
pure comparative fault in product liability claims
Used on fault system
- RSMo § 558.002read September 22, 2026
class D misdemeanor fine limit ($500)
Used on driving uninsured
- RSMo § 643.315read September 22, 2026
vehicles subject to emissions inspection
Used on moving here
Agency pages and forms
Used where the law leaves a detail to the agency — a form name, a fee set by order, a deadline published rather than enacted. Where a statute and an agency page disagree, the state page says so.
- Gustafson v. Benda, 661 S.W.2d 11 (Mo. 1983)read September 22, 2026
CourtListener copy (second independent copy)
Used on fault system
- Gustafson v. Benda, 661 S.W.2d 11 (Mo. banc 1983)read September 22, 2026
adopting pure comparative fault
Used on fault system
- Missouri DNRread September 22, 2026
Gateway Vehicle Inspection Program
Used on moving here
- Missouri DNRread September 22, 2026
Vehicle emissions testing ends in Franklin County July 1 (2022)
Used on moving here
- Missouri DORread September 22, 2026
Insurance Information
Used on minimum coverage, driving uninsured, crash reporting
- Missouri DORread September 22, 2026
License Reinstatement Requirements
Used on sr-22
- Missouri DORread September 22, 2026
Mandatory Insurance FAQs
Used on sr-22, coverage lapse, crash reporting
- Missouri DORread September 22, 2026
General Questions about Driver Licensing
Used on moving here
- Missouri DORread September 22, 2026
Are you new to Missouri?
Used on moving here
- Missouri DORread September 22, 2026
Motor Vehicle Law Changes (SB 1033, effective August 28, 2026)
Used on moving here