Missouri, the heart of the westward expansion, is the birthplace of the Pony Express, the Oregon Trail and the Santa Fe Trail. “The Show Me State” is home to the Ozark Mountains, and has brought such notable Americans to international fame as Mark Twain, Tennessee Williams, T.S. Eliot, Yogi Berra, Chuck Berry and J.C. Penney. With Civil War battle re-enactments to top notch ballet, Missouri holds surprises from border to border. While driving to the next surprise, don’t get bogged down with figuring how to stay protected on the road. CheapCarInsurance.net has done the searching and has brought all the essential information for Missouri drivers right here.
How Much Does Auto Insurance Cost in Missouri?
Missouri car insurance rates average $1,895 per year for full coverage and $490 per year for a state minimum coverage policy. Your exact costs will depend on a few factors about your driving record and who all will be on your policy, as well as if you qualify for any discounts. The table below was created from our personal insurance database for average costs by current city and vehicle type:
Auto Insurance Costs by County:
Minimum Requirements for Car Insurance
To operate a vehicle in Missouri, a driver must carry Liability insurance and Uninsured Motorist coverage.
Liability Coverage minimums:
$20,000 per individual to cover bodily injury or death.
$50,000 per accident involving bodily injuries or deaths.
$10,000 for property damage.
Uninsured Motorist minimum:
$25,000 per individual
$50,000 per accident
Failure to maintain insurance and provide proof of insurance can result in fines, license suspensions and auto impounds.
Getting a New License
Missouri has implemented a Graduated Driver License (GDL) program for drivers between the ages of 15 and 18 to provide an opportunity to gain driving experience. The GDL consists of 3 steps: the Instruction Permit, the Intermediate License and the Under-21 Full License. Each stage must be completed before moving to the next, and each has unique restrictions and requirements.
Instruction Permit: Applicants must be 15 years old for this 1-year permit, and the following applies:
The applicant must pass the vision, road sign and written tests.
Applicants under age 16 may only drive with a parent/legal guardian or a licensed driver age 25 or older who has held a license for at least 3 years.
Applicants 16 years old may drive with a licensed driver age 21 years or older.
Regardless of the applicant’s age, all occupants must wear seat belts.
The permit must be held for at least 182 days.
The applicant must complete 40 hours of driving, 10 of which must be night driving.
Intermediate License: The applicant must be at least 16 years old. At this stage, the applicant must complete the driving test as well as the requirements for the Instruction Permit. While holding this license, the following applies:
During the first 6 months, the applicant may not drive with an unrelated passenger under 19 years of age.
After the first 6 months, the applicant may not drive with more than three unrelated passengers under 19 years of age.
The applicant may not drive between 1 am and 5 am unless accompanied by a licensed driver age 21 or older.
Under-21 Driver License: In order to hold this license, the applicant must have no alcohol-related or traffic violations in the past 12 months. The driver must maintain his/her good driving record to transfer the license to a regular full driver license at age 21.
Vision Exam. The vision test is used to determine if the applicant can see clearly enough to drive. A visual acuity of at least 20/40 is needed to pass. A peripheral vision of 85 degrees for both eyes or 55 degrees for one is needed to pass. Corrective lenses may be worn, and if they are, they must be worn whenever the applicant drives. Restrictions can be given for applicants with less than 20/40 vision.
Written Test. The written exam consists of 25 multiple choice questions based on information found in the Missouri Driver’s Manual.
Road Signs Test. This test evaluates the applicant’s ability to recognize road signs based on shape, color and/or symbol.
Road Skills Test. The road test evaluates the applicant’s driving skills. The vehicle, provided by the applicant must have:
Current plate(s) and inspection sticker
Seat belts in proper working order
Doors that access the front seat from the driver and passenger sides
Two working brakes (parking and a foot brake)
An operable horn
The applicant will be tested on his/her knowledge of the basic interior controls of the vehicle. The following will be evaluated during the driving portion of the exam:
Making right and left turns
Approach and obey warning signs, traffic lights and stop signs
If the applicant fails the test, he/she may re-take the test the following day. Three attempts are allowed; however, upon the third failure, subsequent attempts must be approved by the Department of Revenue.
Fees. The following fees apply to a new Missouri drivers license:
Regular License, $35
Intermediate License, $7.50
Instruction Permit, $3.50
DUI/DWI Laws in MO
BAC limit: .08 Missouri’s Department of Revenue provides information regarding the state’s DUI penalties:
Fine: maximum $500
Jail: maximum 6 months
License suspension: 30 day
Possible Ignition Interlock Device (IID)
Fine: maximum $1,000
Jail: maximum 1 year
License suspension: 1 year
IID: possible for 1 year beginning after the suspension
Third or Subsequent Offense(s) – felony:
Fine: maximum $5,000
Jail: maximum 5 years
License suspension: 10 years
DUI conviction penalties can increase with aggravated factors and higher BAC levels.
Missouri Department of Transportation 105 W. Capitol Ave. Jefferson City, MO 65102 1-888-ASK-MODOT (275-6636) www.modot.org Get Directions
Department of Motor Vehicles
Missouri Department of Revenue Motor Vehicle Titling and Registration Harry S Truman State Office Building 301 W. High St, Jefferson City, MO 65101 Driver License: (573) 526-2407 Motor Vehicle: (573) 526-3669 dor.mo.gov/motorv Get Directions
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