Missouri Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Missouri

• Minimum Liability Limits in MO: 25/50/10 ^[2]
• • 25  Required coverage up to $25,000 for one individual injured in an accident
  • 50  Required coverage up to $50,000 for all persons injured in an accident
  • 10  Required coverage up to $10,000 for property damage in an accident

• Insurer Verification of Insurance in MO ^[2]
• • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
  • Insurer must verify randomly selected insurance policies upon request.
  • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Missouri Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Missouri.

• Motorcycle Insurance Requirements in MO ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage
  • Uninsured motorist coverage

Motorcycle Helmet Laws in Missouri

• • Motorcycle helmets required for all riders. ^[3]

Motorcycle License Regulations in Missouri ^[4]

Detailed information about Missouri laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in MO
• • It is unlawful to operate a motorcycle or motor-tricycle unless the operator has a valid license that shows the operator has successfully passed an examination for the operation of the vehicle. Active duty members of the U.S. Armed Forces may waive the driving skills portion of the examination by submitting a proof of completion card from a military Motorcycle Rider Training Course.
  • Any person at least 15 1/2 years of age who, except for age or lack of instruction in operating a motor vehicle, would otherwise be qualified to obtain a motorcycle or motor-tricycle license or endorsement, may apply, with the written consent of the parent or guardian of such person, for a temporary motorcycle instruction permit to operate a motorcycle or motor-tricycle.

Motorcycle Equipment Laws in Missouri ^[4]

Various regulations and laws in Missouri regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in MO
• • Every person riding on or operating a motorcycle or motor-tricycle shall wear protective headgear.
  • Eye protection is not required for riders in Missouri.
  • Every motorcycle shall be equipped with at least 1 and not more than 2 headlamps. Every motorcycle equipped with a sidecar or other attachment shall be equipped with a lamp on the outside limit of such attachment capable of displaying a white light to the front.
  • Required equipment: 1 rearview mirror, horn, fuel tank cap, license plate, muffler, registration card, tires approved for highway use, and turn signals (if equipped by manufacturer).
  • There is no passenger age restriction in Missouri.