Car insurance in Missouri (25/50/25)
- Minimum car insuranceMissouri requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage, plus uninsured motorist coverage of $25,000 per person and $50,000 per accident. PIP is not required, and underinsured motorist coverage is optional. Source
- Fault systemMissouri is an at-fault (tort) state: the driver who causes a crash is responsible for the other people's injuries and damage. Source
Business insurance rules in Missouri
- Workers’ compensationEmployers with five or more employees must carry workers' compensation, while construction-industry employers must carry it with even one employee. LLC members and corporate officers count toward the total, and Missouri is not a monopolistic state. Source
- Contractor licensingMissouri has no statewide general contractor license; cities and counties set their own contractor licensing. The state does offer a statewide electrical contractor license that local governments must accept. Source
Home insurance in Missouri
- Home insurer of last resortTornadoes, hail and severe storms are the most frequent threats, and the New Madrid Seismic Zone in southeast Missouri carries serious earthquake risk; earthquake needs separate coverage, often with large percentage deductibles. The FAIR Plan also sells a standalone sinkhole policy. Source
Disasters, floods, hail, tornadoes and earthquakes in Missouri
| Measure | Missouri | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 48 | #5 (tied) of 51 | Most often for severe storm (38), flood (6), severe ice storm (4). Webster County has been in 22 of them. |
| National Flood Insurance Program claims, 2005–2025 | 15,892 | #11 of 51 | $564.5 million paid; 16% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 15% | #38 of 50 | 6,062 policies for 40,151 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 3,944 | #7 of 51 | 343 of them 2 inches or larger. Largest stone 5 inches, Cass County, July 2023. |
| Tornadoes, 2016–2025 | 510 | #10 of 51 | 64 rated EF2 or stronger; 2,707 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4, 7 km S of Williamsville, Missouri, November 18, 2021. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Missouri.
Worth knowing in Missouri
Earthquake insurance is a real decision in Missouri: the Department of Commerce and Insurance tracks a sharp drop in the share of homes with earthquake coverage in the high-risk New Madrid area.
Missouri’s insurance regulator
Insurance in Missouri is regulated by the Missouri Department of Commerce and Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Missouri (NPN 21022298), so requests from Missouri are handled by him directly.
Common questions
What is the minimum car insurance in Missouri?
Missouri requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage, plus uninsured motorist coverage of $25,000 per person and $50,000 per accident. PIP is not required, and underinsured motorist coverage is optional.
Is Missouri a no-fault state?
Missouri is an at-fault (tort) state: the driver who causes a crash is responsible for the other people's injuries and damage.
Do employers in Missouri need workers’ comp?
Employers with five or more employees must carry workers' compensation, while construction-industry employers must carry it with even one employee. LLC members and corporate officers count toward the total, and Missouri is not a monopolistic state.
What can a Missouri homeowner do if no insurer will write the house?
Tornadoes, hail and severe storms are the most frequent threats, and the New Madrid Seismic Zone in southeast Missouri carries serious earthquake risk; earthquake needs separate coverage, often with large percentage deductibles. The FAIR Plan also sells a standalone sinkhole policy.
Sources
- Missouri: Minimum car insurance
- Missouri: Fault system
- Missouri: Workers’ compensation
- Missouri: Home insurer of last resort
- Missouri: Contractor licensing
- Missouri: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.