A Guide to Motorcycle Insurance in Missouri (MO)

In terms of being interconnected with other states Missouri is as good as it gets with borders that touch on eight other states! So if you ride a motorcycle in Missouri you are never far away from somewhere interesting to travel. As you do so though it is worth giving a little thought to the Missouri Motorcycle Insurance that you must get in order to be properly safe and secure, and also to the different types of cover that are available.

In this article I will explore your options.

The good news is that a recent road improvement plan has been underway in Missouri following the passage of Amendment 3 through the legislature in 2004, and the Department of Transportation in Missouri has been working for the last few years on improving the road infrastructure. This seems to be bearing fruit (which is great news for motorcyclists), because between 2005 and 2008 the number of road accident deaths has fallen every year from 1,257 in 2005 to 941 in 2008 in Missouri.

This also inevitably over time has a positive impact on the costs of Motorcycle Insurance in Missouri, because costs are very much tied to the amount of accidents and how many claims the insurance companies in the state are having to pay out on.

What are the minimum requirements for Missouri Motorcycle Insurance?

The state of Missouri lays down certain minimum requirements for Missouri Motorcycle Insurance cover that any motorcyclists must adhere to in order to ride legally.

These are:

$25,000 – Bodily Injury Cover for one person
$50,000 – Maximum Bodily injury cover for the whole accident
$10,000 – Property Damage Liability Cover

These are commonly referred to as 25/50/10 levels of cover.

Are the state minimums for Missouri Motorcycle Insurance adequate?

The first thing to notice about the minimum levels of cover are that the property damage cover is considerably lower than most other states. In most other states it is at least $25,000, and in many much more.

Missouri Motorcycle Insurance SealThe bodily injury cover minimums are about average in comparison with the other states, but remember that these are minimum levels of cover, and are not levels that are actually recommended.

In reality they constitute a small meal of provisions that would help the average consumer not to starve, but not the full feast that would allow them to properly relax.

In order to do that you really need to consider both increasing the basic levels of liability cover, and also adding in some other layers of protection.

(You can check the ongoing legal requirements and regulations for Missouri Motorcycle Insurance at the Missouri Department of Insurance)


On the liability cover front if you seek out a few Missouri Motorcycle Insurance Quotes then you can quickly see that many multiples of those basic amounts is much more normal, and also that it does not actually add dramatic amounts to the costs of the premiums.

In addition you may also want to make sure that the amounts of medical cover that are included in the policies is more generous, as by its very nature motorcycling is more dangerous than travelling by car, and if you do find yourself involved in an accident with a car or truck, then in all likelihood it is you who will come off worst and really need the help of some good medical cover.

The same is true with adding Uninsured/Underinsured Driver Cover to your policy which protects you by ensuring that if the driver of the other vehicle does not have insurance,  or enough insurance, (and 15% of drivers don’t…); that you will still be able to be properly covered.

Another piece of the puzzle that you may want to add in is comprehensive, full coverage Missouri Motorcycle Insurance that includes cover for if your motorcycle was stolen. This is especially valuable if you live in the bigger cities of Missouri like Kansas City, Saint Louis or Springfield where it is more common for motorcycles to be stolen; because the sad fact is that once a motorcycle is stolen, it is seldom recovered. In fact, only one in five motorcycles that are stolen are recovered.

Overall, make sure to check out a number of different Missouri Motorcycle Insurance Companies and Policies and get up-to-date quotes from each of them so that you can compare what is on offer.


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