Missouri Auto Insurance regulations:

Missouri is a tort state, which means that you are financially responsible for the damage and injury you cause in a car accident. To drive a vehicle in Missouri, you're required to show proof of financial responsibility.

The state's liability minimums requirements are 25/50/10. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party's personal property. Missouri laws also require uninsured and underinsured motorist bodily injury insurance in the amount of 25/50 ($25,000 per person injured, up to $50,000 total). Overall Rates are determined by the driving habits of the drivers within a state. Missouri determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums