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Comprehensive Local Motorcycle Insurance Guide

Missouri Motorcycle Insurance

Motorcycle Registrations in MO

^ There are 175,887 registered motorcycles in Missouri, the 19th highest number in the nation. [1]

Motorcycle Insurance in MO by City

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Motorcycle Insurance Providers in Missouri

MO Motorcycle Insurance

MO Motorcycle Insurance in Missouri

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

Required Motorcycle Insurance Coverage in Missouri

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 Insurance Laws & Regulations in Missouri

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 Regulations in Missouri
  • 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.

Rider & Driver Facts in Missouri

Rider & Driver Facts in Missouri

Missouri Motorcycle Registrations

  • Registered Riders in MO [1]
    • In 2012, Missouri totaled 175,887 motorcycles registrations.
    • This number ranks 19th in the United States by state (including Washington, D.C.).
    • Note: MO ranked 18th in the nation in total auto registrations (all vehicle types) in 2011.

Missouri Highway Facts

  • Speed Limits in MO [3]
    • Rural interstates: 70 mph
    • Urban interstates: 60 mph
    • Other roads: 65 mph
  • Consumption of Motor Fuel in MO [5]
    • Missouri ranked 14th in the U.S. in 2011 in total motor fuel consumption.

Missouri Accident Reporting Regulations

  • Accident Reporting in MO [4]
    • Crashes are required to be reported in cases of death, injury, or when property damage exceeds $500.
    • The deadline to file a report is 5 days.

Additional information about Missouri

About Missouri

Missouri as a whole has an approximate population of 5,988,927, which ranks 17th in the nation. [6]

MO Motorcycle Insurance

MO Motorcycle Insurance

To learn more about Motorcycle Insurance in Missouri, or for additional resources related to Missouri Motorcycle Insurance, visit the Missouri Department of Insurance.

Did you know?

In some states with harsh winters, riders can opt for insurance coverage that is suspended during winter.

Missouri Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Missouri DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)