Teen Driver Insurance in Missouri: Parent Guide
Missouri requires 25/50/25 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesMissouri 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
Minimum Coverage Requirements in Missouri
Teen drivers progress through Missouri's Graduated Driver Licensing (GDL) program: learner's permit at age 15, intermediate license at 16 with a nighttime curfew (1 a.m.–5 a.m.) and passenger restrictions, and full license at age 18. Missouri law mandates that insurers offer good student discounts to drivers under 25 who maintain a B average or equivalent, making this one of the most important cost-reduction tools for parents adding teen drivers.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Missouri
$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
Find the Right Policy for Your Teen
Compare Teen Driver Insurance 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
Coverage Types
Full Coverage for Financed Vehicles
Combines liability, collision, and comprehensive coverage. Required by lenders if your teen drives a financed or leased vehicle, and recommended if the vehicle is worth more than $5,000.
Liability-Only for Older Vehicles
Meets Missouri's 25/50/25 minimum requirement without collision or comprehensive. Cost-effective if your teen drives an older vehicle worth under $3,000.
Uninsured Motorist Coverage
Covers your teen's medical bills and vehicle damage if hit by an uninsured driver. Not required in Missouri but highly recommended.
Good Student Discount
State-mandated discount for drivers under 25 maintaining a B average or 3.0 GPA. One of the largest discounts available for teen drivers in Missouri.
Telematics Programs
Monitor your teen's driving via smartphone app or plug-in device and earn discounts for safe habits like smooth braking, obeying speed limits, and limiting nighttime driving.
SR-22 for Young Drivers with Violations
Certificate of financial responsibility required by the Missouri Department of Revenue after certain violations like DUI, reckless driving, or driving without insurance.