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Missouri Motorcycle Insurance

Missouri motorcycle insurance requirements are similar to those for other motor vehicles and include minimums of:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property


You will find, however, that most insurance companies and organizations recommend additional Medical Insurance because of the excessive injuries often associated with motorcycle accidents.  The State of Missouri requires that all motorcyclist wear helmets which greatly reduce the risk of obtaining serious head injuries in the event an accident does occur; however, there is very little in between a motorcyclist and the pavement if an unfortunate accident does occur, and the last thing you want to worry about after an accident is how you will pay for your medical care.   Be on the safe side and inquire about MedPay, Personal Injury Protectin (Pip) and/or Increased Underinsured/Uninsured motorcycle insurance coverage.

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