Missouri motorcycle insurance
Missouri is home to 313 miles of Route 66 and plenty of attractions you can reach by motorcycle. Mostly prairie, the state is divided by rivers and streams, making it a highly ridable and inviting destination. Motorcycle insurance laws in Missouri are straightforward—as easy to navigate as its roadways.
What’s required of all motorcycle riders in Missouri?
If you ride a motorcycle in Missouri, you need a Class M motorcycle license or permit, or a driver's license with an M endorsement. You can apply for a motorcycle learning permit when you're 15½ years old (15 years and 182 days).
Everyone 25 years old and under who rides in Missouri is required by law to wear a helmet with shatterproof face protection, which can be a face shield or protective goggles. Your bike must also be in good working order, meaning your wheels, brakes, tires, and exhaust system must be fully operational.
Additionally, all motorcycle lights must be working correctly. That includes your headlight, taillight, and turn signals. In Missouri, signaling is required, but you can use hand signals versus turn signals if you wish.
For more information regarding motorcycle laws in Missouri, please visit the Missouri Department of Revenue.
Prepare for your Missouri ride
Make sure your motorcycle is in is in ride-ready condition.
Motorcycle insurance requirements in Missouri
Here are the minimums you must meet to ride legally in Missouri:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per incident
$25,000 in property damage liability per incident
You also need uninsured motorist (UM) coverage, which can help protect you in the event of an incident with an at-fault rider who doesn't have insurance. The minimum required is:
$25,000 bodily injury per person
$50,000 bodily injury per incident
Your coverage questions, answered
Check out our guide to buying motorcycle insurance.
Does Missouri have any optional motorcycle insurance coverage?
In addition to the coverages you’re required to have, you can get various other forms of insurance in Missouri. We have plenty of options to help protect you and your bike, including:
Underinsured motorist (UIM)
If you’re involved in an accident with an at-fault motorist who has some insurance, but not enough to cover your related expenses, you could be left paying out-of-pocket for something that wasn’t your fault. UIM coverage can help reduce those expenses.
Medical payments
Medical payments coverage can help pay for hospital bills and other covered expenses following an accident. Insurers in Missouri are required to offer this coverage; if you don’t want it, you can reject it in writing.
Comprehensive
Comprehensive coverage can help pay for repairs to your bike if it’s damaged by something other than a collision, such as theft, vandalism, or weather events like hail.
The factors behind your insurance rates
How to get a motorcycle insurance quote
Insurance quotes are quick and free. You’ll just need to:
Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.
Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).
Select the coverages you want.
Missouri motorcycle insurance discounts
To help you enjoy even more affordable rates on your motorcycle insurance, we offer money-saving insurance discounts:
Advance quote
Anti-theft
Bike replacement
Claim-free renewal
Garaging
Harley Owners Group (H.O.G.) member
Homeowner
Motorcycle endorsement
Multi-line
Multi-vehicle
Operator safety course
Paid-in-full
Prompt payer
Rider group
Transfer
For a relaxing motorcycle ride through the northern Ozark Mountains, look no further than Missouri’s Lazy 8. This route features plenty of camping, hiking, and sightseeing opportunities.
When you find a motorcycle route the locals call “the Wing of the Dragon,” you know you’re in for a great ride. Our rider’s guide to this Missouri route includes safety tips, must-see stops, and more.
Route 66 is the embodiment of American road culture, making it the perfect route for your next cross-country motorcycle ride. We offer a state-by-state guide to the attractions you’ll find along the way.
Get a Missouri motorcycle insurance quote
Once your insurance is set, you've got your helmet ready, and your bike is in tip-top shape, you can get on the road in Missouri and enjoy some beautiful riding.
