Driving without auto insurance in Missouri is a crime with fairly substantial consequences. At best you will receive points on your driving record and at worst you can lose your license for at least one year. This information about auto insurance coverage in Missouri should help answer a few of the more common questions you might have.
All drivers need to carry at least a liability policy for their vehicle which includes a $25,000 bodily injury limit for an individual, a $50,000 bodily injury limit per vehicle (regardless of the number of passengers), and a $10,000 limit on property damage. These limits were set by lawmakers in order to strike a balance between affordability for the driver, and to make sure victims are able to receive compensation if they are in an accident through no fault of their own.
Unlike some states, Missouri drivers will generally not receive a harsh punishment the first time they are caught driving without insurance. If you do not have auto insurance, you will receive a citation and four driving points will be added to your driving record. For second time offenders, your license will be suspended for three months. Receiving a driving without insurance citation three or more times will result in a license suspension for a year with each citation. In addition to possible revocation of driving privileges, you will need to furnish proof of insurance and pay a fee to get your license back, as well as keeping your insurance information on file with the Missouri DOT for three years.
Driving without insurance in Missouri can be costly, especially if your driver's license gets suspended. Stop by our office and let our team of auto insurance professionals find you the best rates on liability or comprehensive policies today.