What type of insurance is required to operate a vehicle in Missouri?

In Missouri, liability insurance is the type of insurance required to legally operate a vehicle. This insurance is designed to cover the costs associated with damages or injuries that you may cause to other individuals or their property while operating your vehicle. It provides financial protection in the event of an accident, ensuring that victims can receive compensation for their injuries or damages regardless of your ability to pay out-of-pocket.

Liability insurance is mandated to ensure that all drivers take responsibility for their actions on the road and help reduce the financial burden on victims from vehicular accidents. The state sets minimum coverage limits that drivers must adhere to, ensuring a baseline level of protection.

Other types of insurance, such as comprehensive, collision, and uninsured motorist insurance, while beneficial and often recommended for better overall coverage, are not a legal requirement to operate a vehicle in Missouri. Comprehensive insurance covers damages to your vehicle from non-collision events, collision insurance covers damages to your vehicle from accidents, and uninsured motorist insurance protects you if you're in an accident with a driver who doesn't have insurance. However, none of these are mandatory by law for vehicle operation in the state.