Insurance in Missouri

Coverage Requirements in Missouri

Missouri requires 25/50/25 auto liability ($25,000 per person bodily injury, $50,000 per accident, $25,000 property damage) PLUS mandatory UM bodily injury at 25/50. Missouri is an at-fault state with pure comparative fault. Roughly 14% of Missouri drivers are uninsured; VKOVR recommends stacking UM/UIM at 100/300 to match recommended liability limits, which is especially important given heavy I-44, I-70, and I-55 commuter and freight corridors. Standard homeowners insurance in Missouri covers wind, hail, and tornado damage but typically carries a 1–2% wind/hail percentage deductible (often thousands of dollars on a full loss). Flood — Mississippi and Missouri Rivers, Ozarks flash flood, Table Rock and Lake of the Ozarks frontage — requires NFIP or private flood coverage. Sewer and water-backup endorsements matter in older St. Louis, Kansas City, and Columbia housing stock. Coverage A should be audited against elevated post-2020 Missouri rebuild costs. Missouri employers with five or more employees (or one or more in construction) must carry workers' compensation insurance. The Missouri Division of Workers' Compensation enforces penalties for non-coverage. Agriculture, construction, manufacturing (St. Louis/KC), and healthcare drive distinctive Missouri commercial pricing; general liability and commercial property matter particularly along I-44 and I-70 corridors with elevated tornado and hail frequency.