Teen Driver Insurance in Missouri: Parents' Guide
Missouri requires 25/50/25 liability coverage and is an at-fault state.
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Missouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state operates a three-stage graduated driver licensing (GDL) system that begins with a learner's permit at age 15, progresses to an intermediate license at 16, and allows unrestricted licensing at 18 after completing all requirements. Missouri statute 379.203 requires all auto insurers doing business in the state to offer a good student discount to drivers under 25 who maintain a B average or equivalent, making this one of the few states where the discount is legally mandated rather than carrier-discretionary.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$275–$442/mo
Typical monthly rate in Missouri, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
1am-5am
Passengers
no more than 1 passenger younger than 19 first 6 months, then max 3
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
What are Missouri's graduated licensing restrictions for teen drivers?
Missouri's three-stage GDL system begins with a learner's permit at age 15 (requiring 40 hours supervised driving including 10 at night), advances to an intermediate license at age 16 (prohibiting more than one non-family passenger under 19 and nighttime driving from 1 AM–5 AM unless work/school/emergency), and allows unrestricted licensing at age 18 after holding the intermediate license for 12 months without violations. These restrictions directly affect insurance rates — most families see the largest premium increase when the teen transitions from learner's permit to intermediate license and begins driving unsupervised.
Coverage Types
Liability Insurance
Covers injuries and property damage your teen causes to others. The foundation of any auto insurance policy and the only coverage Missouri law requires.
Collision Coverage
Pays to repair or replace your teen's vehicle after an accident regardless of fault. Required by lenders on financed vehicles, optional on paid-off cars.
Comprehensive Coverage
Covers non-collision losses: theft, vandalism, hail, flooding, and animal strikes. Typically paired with collision as part of full coverage.
Uninsured/Underinsured Motorist
Protects your family when your teen is hit by a driver with no insurance or insufficient coverage to pay for injuries and damages.
Full Coverage Package
Combines liability, collision, and comprehensive coverage. The standard package for financed vehicles and the recommended option for any vehicle worth more than $5,000.
Minimum Coverage for Older Vehicles
State minimum 25/50/25 liability plus uninsured motorist coverage, with no collision or comprehensive. Appropriate only for vehicles worth less than $3,000–$4,000.