Missouri insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person

$25,000

Bodily injury liability, per accident

$50,000

Property damage liability

$25,000

Personal injury protection (PIP)

Not required

Uninsured motorist coverage

Required

UM is required at no less than 25/50. UIM is not mandatory.

Source: Missouri Revised Statutes § 303.190 · RSMo § 303.190; § 379.203 · Reviewed Sep 13, 2026

These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.

• Missouri FAIR Plan FAIR Plan

  A basic dwelling fire policy for one- to four-family homes, paid at actual cash value, plus standalone sinkhole policies. It doesn’t include liability coverage.

  Where: Statewide

  Claims: 502-425-7903

Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.

NFIP claims, 2016–2025

5,678

$256.4 million paid

NFIP claims in 2025

131

$4.5 million paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.