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Missouri Motorcycle Insurance Requirements

Missouri Motorcycle Insurance Requirements

Missouri is located in the Midwest region of the United States and is nicknamed “The Show Me State.” The geography of this state varies depending on the area: the northern part of the state is mostly extensive, flat plains while the southern part is largely sculpted by the Ozark Mountains. Three of the largest rivers including the Missouri River, Ohio River, and Mississippi River cross through the state. This state is also historically known for having the starting point of the Oregon Trail as well as the Pony Express.

The economy of Missouri is largely influenced by agriculture, mining, transportation equipment, food processing, electrical equipment, biotechnology, tourism and aerospace. Additionally, this state is home to various professional sports teams including the St. Louis Cardinals, Rams, and Blues – as well as the Kansas City Chiefs and Royals. Another interesting fact about Missouri is that it is the only state in the Union to have 2 Federal Reserve Banks.

Missouri Motorcycle Insurance Requirements

Do you own a motorcycle and plan on cruising through the state of Missouri? If so, you need to make sure that you follow the state’s rules and regulations. One requirement that the state has for all motorcyclists is that they must demonstrate financial responsibility before they can legally ride. The most common way to establish responsibility is by getting a liability insurance policy. If you have insurance and are “at-fault” for an accident, your insurer will reimburse others for damages that you’ve caused.

How to Establish Financial Responsibility in Missouri

In the “Show Me State” there are a variety of ways in which you can establish financial responsibility. The most common way to demonstrate responsibility is by purchasing liability coverage that meets state requirements. However, if you do not want to buy coverage through an insurance company, you have some alternative options.

  • Liability Insurance – A policy with liability coverage can be purchased from a state-licensed insurance company.
  • Bonds – You have the option of placing a $60,000 bond on hold with the Department of Revenue. This can be used to cover your losses if you are responsible for damages.
  • Monetary Deposit – You are allowed to make a deposit with the Dept. of Revenue for $60,000 as an alternative to insurance.
  • Real Estate Bond – If you have a real estate bond valued at $60,000 or more, this can be used to show responsibility.
  • Self-Insurance – If you are the owner of a company or are responsible for an entire organization, you can opt to insure yourself.

Note: You must show financial responsibility before you are allowed to register your motorcycle in the state of Missouri.

Motorcycles / Two-Wheeled Vehicles Defined

In the state of Missouri it is important to understand the classification of your vehicle. The classification of your vehicle will affect whether you need to get it registered and insured. Below are various definitions for 2-wheeled vehicles that you should understand.

If you need further assistance with classification, contact the Missouri Dept. of Revenue at the following number: (573)-526-3669. They have experts on staff that will help you understand the necessary steps to take before operating your vehicle.

Motorcycle: A motor vehicle that has a seat or saddle for the driver that rides with two wheels in contact with the ground. Tractors are not included in this definition.

Motorized Bicycle: Any 2 or 3 wheeled vehicle that has an automatic transmission and a motor with a cylinder capacity that does not exceed 50 cc. It must produce less than 3-brake horsepower and must not exceed 30 mph on level ground.

Motortricycle: A motor vehicle operated on 3 wheels, including a motorcycle with any form of conveyance that requires a third wheel. The definition of a motortricycle does NOT fit in the same classification with ATV’s.

Note: Scooters and mopeds that can fit in the motorized bicycle category do not need to be registered. Scooters that exceed 30 mph or with a cylinder capacity exceeding 50 cc must be registered as a motorcycle.

Missouri Motorcycle Insurance Minimum Requirements

Below are the minimum insurance requirements for the state of Missouri. As you can see, all drivers are required to have liability and uninsured motorist coverage. These must be fulfilled on a policy before you can legally drive your motorcycle.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $10,000 property damage per accident

Uninsured Motorist Insurance:

  • $25,000 per person

  • $50,000 per accident

Note: Uninsured motorist insurance is coverage for when you are involved in an accident with an uninsured driver. If someone who is uninsured hits you and is “at fault” for the accident, your own “uninsured” insurance will help pay for what they owe. The individual who lacks insurance will be fined, face license suspension, and will eventually have to pay for damages that they’ve caused.

Missouri Laws: Safety & Licensing Requirements

Each state has different regulations that must be followed by motorcyclists. Below is some general information to keep in mind regarding the usage of helmets, eye protection, helmets – as well as what licensing you need in order to drive.

  • Helmets – All motorcyclists are required by law to wear helmets. Helmets must be in compliance with the FMVSS 218 standard. Passengers must also wear helmets at all times.
  • Eye Protection – Although eye protection isn’t required in Missouri, it is highly recommended for personal safety.
  • Headlights – It is recommended to use your headlights during the daytime, but not required.
  • Licensing – All individuals must obtain a Class M motorcycle endorsement on their driver’s license before they can drive. To obtain proper licensing, you must pass both a written as well as a road test.

Proof of Insurance & Responsibility in Missouri

Before you even register your motorcycle in the state of Missouri, you must sign an agreement to maintain insurance throughout its registration period. When you buy insurance, you will be issued some sort of proof to show that you have coverage. If you chose to go an alternative route to prove financial responsibility, you will still need to carry proper proof at all times. If a police officer pulls you over or you get into an accident, you must provide proof or you will face legal penalization.

  • Insurance Card – This is a card issued to you by your insurance company and contains important policy information. Keep it with you at all times while driving.
  • Official Receipt – If you don’t have an insurance card, you may be able to carry a receipt or binder with you while on your vehicle. These must include coverage information, vehicle identification, as well as personal information showing that you purchased valid coverage.
  • Self-Insured Card – If you have decided to get self-insurance coverage, you will be issued a card showing proof. These are issued from Missouri’s Driver and Vehicle Services Bureau.
  • Financial Responsibility ID – The Missouri Driver and Vehicle Services Bureau will issue you an identification card if you have a certificate of cash deposit or a bond.

Note: It is important to keep your proof of insurance updated at all times. If your card or other information is subject to expiration, be sure to renew coverage and carry the new card with you while driving.

Penalty for Lack of Insurance in Missouri

It is illegal to drive without insurance or other proof of financial responsibility. If you are pulled over by a police officer and cannot prove that you are insured, you will be penalized. In the event that you are involved in an accident and don’t have insurance, you will face major legal consequences. It is important to always maintain current coverage as long as you plan on driving. Below are various penalties that will be enforced if you are caught without proof of coverage.

  • Supervision Order: The state of Missouri will be allowed to monitor you in the future to make sure that you are following state laws and have sufficient insurance. You will be supervised for whatever period of time the state deems necessary.
  • 4 Points: You will get 4 points added onto your driving record. If you already have points accumulated, this could severely restrict your driving privileges.
  • Suspension: Law enforcement may decide to suspend your license and registration.
  • Citations: You will be issued a citation for driving without insurance. This must be paid in a timely manner or the fine will increase.
  • Reinstatement Fees: Once you have served your suspension, you will have to pay fees to get your license and registration reinstated.

Note: All of these penalties can easily be avoided by purchasing a valid insurance policy and renewing it upon expiration.

Missouri Motorcycle Insurance Companies

There are plenty of insurance companies that are trying to lure you into buying a policy in the state of Missouri. Although a lot of companies have good advertising with lots of discounts, it doesn’t necessarily mean that they’ll provide you with quality coverage. In order to find a company that will provide great coverage at a price that you can afford, you need to do some comparison shopping.

In order to compare rates, use the tool below (or at the top of the page) and enter the Zip Code of your city. Upon entering your zip, you’ll notice that a list of various insurers is generated. This is a list of the top providers in your particular area. Use this list and visit each one to collect quotes and compare policies. If one company offers significantly more coverage for your money than the other providers, choose it for your policy. If you aren’t sure about a certain provider, be sure to read reviews on this site and find out more information.

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