Liability Insurance — Missouri
Liability insurance pays for damage and injuries you cause to others in an at-fault accident—it does not cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance is the foundation of every auto policy in Missouri. It pays for property damage and medical expenses you cause to others when you're at fault in an accident. Your liability policy includes two components: bodily injury coverage (the first two numbers in your limits) and property damage coverage (the third number).
Who Needs Liability Insurance Insurance?
Liability coverage is legally required for every Missouri driver reinstating from suspension, whether you own a vehicle or not. If your suspension was caused by DUI, excessive points, or driving uninsured, you must maintain continuous liability coverage for the full reinstatement period—typically three years for SR-22 filings. Non-owner liability policies satisfy this requirement if you don't currently own a car, and they're often the cheapest reinstatement option for suspended drivers who sold their vehicle or rely on borrowed cars.
If you're reinstating your license, carry at least Missouri's minimum 25/50/25 limits to satisfy state requirements. If you're reinstating after DUI or a serious violation and you have any assets—savings, property, wages subject to garnishment—increase your limits to 100/300/100 because minimum coverage leaves you personally liable for large claims. If you don't own a car, get a non-owner policy instead of trying to borrow someone else's insurance. If you're suspended but not actively reinstating, you can drop coverage entirely until you're ready to file for reinstatement.
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