Discover how much you can save on Missouri car insurance.

Download the app. Take a test drive around the Show-Me State. Get a free quote.

Why choose Root for your Missouri insurance policy?

We know you’re the Show-Me State, Missouri, so Root is here to show you the savings good drivers can get with our fair car insurance. (See what we did there?) Traditional insurance companies don’t care if you’re a better driver than your neighbor. You’re paying for the 14% of uninsured drivers in your state, regardless. Well, we think the Mother of the West deserves better treatment—or at least an opportunity to prove good driving skills for lower rates.

What makes Root different from traditional insurers in Missouri?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Show-Me State.

It’s a good time to be a good driver in Missouri.

Since Missouri is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Springfield to Independence, Kansas City to St. Louis, and all points between (we’re looking at you, Columbia).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Missouri?

To legally operate a vehicle in Missouri, you must carry liability insurance and uninsured motorist coverage. If you’re found driving without insurance, you can face points on your driving record and suspension of your driver’s license.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in MO:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $25,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured Motorist Coverage (UM):

This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance.

Minimum required uninsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

You can always opt for higher limits on this coverage, too.

Alternatives to car insurance also exist. While holding car insurance is the most common method for complying with Missouri's car insurance laws, you can meet the legal requirements by submitting proof of financial responsibility to the Department of Revenue (DOR). The following items are accepted by the DOR as proof:

  • Surety bond
  • Real estate bond
  • Cash deposit (or deposit of negotiable securities, such as stocks, bonds, etc.)

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Acceptable forms include an insurance ID card issued by your insurance carrier or an electronic version of your ID card, both of which you get with Root.

What are the fines and penalties if you’re caught without insurance?

If you’re found driving without insurance, you’ll face:

  • Assessment of four points on your driving record
    (Keep in mind: your license will be suspended if you accumulate eight points in 18 months.)
  • Issuance of an order of supervision, which means your insurance status will be monitored by the Driver License Bureau to ensure you are maintaining the minimum car insurance coverage amounts
  • Suspension of your driver's license for up to one year, and associated fees

If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.


If you're in an accident and your driver's license is subsequently suspended because you didn’t have insurance at the time, you’ll need to file an SR-22. An SR-22 is not insurance, but a form certifying that you’ll hold the required insurance for a specific time period. (Root does this for free.)

What is the average cost of car insurance in Missouri?

The average driver in Missouri pays $1,1072 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Underinsured Motorist Bodily Injury (UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What our customers tell us

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