Is motorcycle insurance required in Missouri?

Nothing else is quite like hitting the open road on a motorcycle. It offers an unparalleled sense of freedom. Missouri has a lot of roads, it is number 7 in the nation for state highway miles at 33.838. Add to that 28,292 miles of minor roads and you realize that you have years of pleasure ahead of you. But these are not the only statistic that the Missouri Department of Transportation provides, 5.5 million registered drivers will be sharing all those roads with you. Understanding motorcycle insurance is something that the team at Nieroda Insurance Agency in Saint Charles, MO understands and can help you understand. 

All drivers in Missouri including those who drive motorcycles are required to carry liability insurance. Missouri is a 25/50/10 state. That means that you must have $25,000 in bodily injury per person and $50,000 per accident with $10,000 for property damage.  This is the minimum allowed, the minimum is not right for everyone. Before you decided to get just the insurance that is required you should consider what insurance you need to have peace of mind.

If you are involved in an accident with a driver without insurance or who is underinsured it can be a problem if you don’t have coverage. Motorcycles and their riders are more likely to be the not-at-fault party and you need to be sure that you carry enough insurance to make sure that you can have your bike repaired or replaced. A quality bike is a major investment and you need to protect that investment. Uninsured/underinsured coverage, as well as collision and comprehensive, can help keep you covered. 

At Nieroda Insurance Agency in Saint Charles, MO we will sit down and discuss motorcycle insurance with you in terms that make sense. As an independent agency, we offer products from different carriers and can find one that fits your particular needs. Give us a call or stop by for a no-obligation quote.