What MO requires of Independence drivers

What MO requires

The legal minimum is $25,000 for one person's injuries, $50,000 for all injuries in one crash, and $25,000 for property damage — written as 25/50/25.

Uninsured motorist coverage at $25,000/$50,000 is required on every Missouri policy.

If the other driver is at fault and carries only the minimum, their policy stops at those amounts. Uninsured/underinsured motorist coverage is what pays you beyond that.

Source: Missouri Department of Commerce and Insurance, checked 2026-10-26.