Missouri features moderate insurance rates, influenced by a mix of urban centers like St. Louis and Kansas City and rural areas. The state uses a fault-based liability system with minimum coverage requirements, and accident rates have fluctuated with regional traffic patterns.
Missouri Auto Insurance Facts
Drivers
- ~4.7–4.9 million licensed drivers as of 2023.
- ~88% vehicle ownership among households.
- Diverse vehicle types with a mix of sedans, pickups, and SUVs.
- Uninsured motorist rate estimated at 12%.
- Public transit mainly available in larger metro areas.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~62,500
| ~17,200
| 720
|
| 2019
| ~64,000
| ~17,800
| 735
|
| 2020
| ~58,300
| ~16,000
| 700
|
| 2021
| ~61,200
| ~16,500
| 720
|
| 2022
| ~62,800
| ~17,000
| 730
|
Laws & Regulations
- Fault-based (tort) liability system.
- Mandatory bodily injury and property damage coverage.
- Proof of insurance required at vehicle registration.
