Is Missouri a no-fault state?
No. Missouri is an at-fault state. The driver who caused the crash can be sued, and their liability insurance pays up to its limits.
Last checked November 9, 2026 · Official sources (4)
How does Missouri car insurance work?
“which protects you and your family financially if you are sued by someone injured in an accident in which you were involved. It will pay legal and court costs and damages awarded up to the limits written into the policy.”
Missouri Department of Commerce and Insurance
What is Missouri's minimum car insurance?
| Coverage | What Missouri requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Uninsured motorist coverage is required: up to $25,000 for one person and $50,000 per crash. It covers your injuries if an uninsured or hit-and-run driver causes the crash. |
Other at-fault states
Questions
How much insurance does Missouri require?
A minimum policy is 25/50/25: $25,000 per person and $50,000 per crash for injuries, $25,000 for property damage, plus 25/50 uninsured motorist coverage.
What if you were partly at fault in Missouri?
You can still recover money even if you were more at fault than the other driver; your award is cut by your share of the blame.
Hurt in a crash in Missouri? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Missouri Department of Commerce and Insurance, checked 2026-11-09. “which protects you and your family financially if you are sued by someone injured in an accident in which you were involved. It will pay legal and court costs and damages awarded up to the limits written into the policy.”
- Missouri Department of Commerce and Insurance, checked 2026-11-09. “Example: A minimum liability insurance package might be shown as 25/50/25, BI, PD, and 25/50 UM. BI means bodily injury liability, PD means property damage liability, and UM means uninsured motorist coverage.”
- Missouri Department of Commerce and Insurance, checked 2026-11-09. “$25,000 is the maximum uninsured motorist payment that can be made to one person involved in a single accident. $50,000 is the maximum uninsured motorist”
- Missouri Court of Appeals, Western District, Wilson v. Image Flooring, LLC (WD75141, 2013), checked 2026-11-09. “Missouri is a pure comparative fault state, wherein a plaintiff can recover damages for a defendant‟s negligent conduct, despite a plaintiff‟s own negligence, even if the plaintiff‟s fault exceeded that of the defendant.”