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Missouri Motorcycle Insurance: Ride the season. Park it covered.

Back roads, Route 66 and long weekends, then some time in the garage. We'll explain your rider coverage in plain English and let you pick what works for you.

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25/50/25Missouri Minimum, Bikes Too

UMRequired In Missouri

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SullivanLocal Office

A motorcycle rider on a highway lined with fall trees

The Quick Answer

A Missouri motorcycle needs its own policy with at least 25/50/25 liability and uninsured motorist coverage at $25,000/$50,000, the same minimums Missouri requires on a car. Your auto policy doesn't cover it. Missouri is an at-fault state that uses comparative fault. Underinsured motorist and medical payments are optional, and there's no PIP requirement, so riders have to choose to add them. Since August 28, 2020, riders 26 and older may ride without a helmet if they have health insurance; younger riders and permit holders still need one. If your bike sits for part of the year, ask about a storage option that keeps comprehensive in force instead of cancelling. Round it out with custom parts coverage, safety apparel for your gear, and guest passenger liability if anyone rides with you. Tina Gregory Agency in Sullivan is a Farmers agency with more options through Kraft Lake, and quotes riders free at (573) 358-4513.

Required: 25/50/25 plus UM, on its own policy
Most important add: UIM (optional in Missouri)
Off-season: Ask about storage, don't cancel
Call our Sullivan office: (573) 358-4513

Missouri Motorcycle Insurance, The Short Version

Missouri gives riders a long season. The policy should fit all twelve months of it.

Start with what makes riding here good: winding back roads through Franklin and Crawford counties, a run along historic Route 66, and fall rides when the hills around the Meramec turn color. Then the cold snaps come and plenty of bikes go into the garage for a while. A policy built for that rhythm protects the bike on the road and in storage.

Now the part that shapes every recommendation on this page. Missouri requires 25/50/25 liability and uninsured motorist coverage on a motorcycle, the same as a car, and Missouri is an at-fault state. But underinsured motorist coverage and medical payments are optional. In a car, a driver carrying bare-minimum limits is an annoyance. On a bike, you're the crumple zone, and a $25,000 limit doesn't go far after a serious crash. That's why UIM is one of the first things we talk through on a rider policy.

Off-season is the other piece. It's tempting to cancel when the bike is parked for a few months, but a stored bike can still be stolen or damaged, and a coverage gap can raise what you pay later. Ask us about a storage or reduced-coverage option that keeps comprehensive in place.

The rest is making the policy match the bike you actually ride: custom parts coverage above the small default, safety apparel for the gear, and guest passenger liability if anyone rides with you. We actually explain the coverages to you and let you pick what works for you. We look at Farmers first, and other options when Farmers isn't the best fit. Putting the bike with the car and the house may lower what you pay.

What a rider policy needs. And the three gaps nobody mentions.

The required part is small. The parts that decide whether a bad day turns into a financial one are mostly optional.

Required by law

25/50/25

Liability

The same 25/50/25 Missouri requires on a car, on the bike's own policy. Covers what you do to other people and their property, plus your legal defense. On a vehicle this exposed, we treat the minimum as the start of the conversation, not the recommendation.

UIM is optional. Add it.

UM / UIM

Uninsured & Underinsured Motorist

Missouri requires uninsured motorist coverage at $25,000/$50,000. Underinsured motorist is optional, so it's easy to leave off. Plenty of drivers carry only the minimum, and on a bike you have no steel around you. This is what pays when the driver who turned left in front of you can't.

Strongly recommended

Med Pay

Medical Payments

Liability pays the other person. Medical payments helps pay your own medical bills, regardless of fault. It's optional in Missouri, and there's no PIP requirement here. On two wheels, even a modest spill can mean an ambulance ride.

If you'd miss it

Comp & Collision

Physical Damage

Repairs or replaces the bike. Comprehensive matters more than riders think: motorcycles are easy targets for thieves, and Missouri storms bring hail, high winds and falling limbs. Your garage isn't coverage, and neither is a cover in the driveway.

Off-season

Storage

Storage Coverage

Plenty of bikes around Sullivan sit for part of the winter. Ask whether a storage or reduced-coverage option is available for those months instead of cancelling. The goal is keeping comprehensive in place against theft, fire and storm damage. Cancelling creates a gap that can raise what you pay later.

Worth asking

Course

Safety Course Discount

Many insurance companies offer a discount for completing an approved motorcycle safety course. Eligibility varies, so ask us what's available on your policy. Safer, and you may qualify for a lower rate. Worth it either way.

Usually a gap

Your Mods

Custom Parts & Equipment

Standard policies assume a stock bike and cap accessories at a small default. Exhaust, bars, bags, seat, paint, lighting, engine work. Add up what you've spent past stock, then ask us about raising the limit to match.

Usually a gap

Your Gear

Safety Apparel

Helmet, jacket, gloves, boots, armor. It isn't part of the bike, so the bike's coverage may not replace it. A full kit can run into four figures, and one spill can ruin all of it at once, in the same crash that bent the frame.

Check this

Passengers

Guest Passenger Liability

Some rider policies limit or exclude passenger liability, or make it an add-on. The person on the back is the most likely to be badly hurt in your crash. If you ever carry anyone, this line matters.

Is your bike insured as the bike you actually built?

Mods, gear, and the passenger line are the three we find wrong most often. Send us your declarations page and we'll read it with you, free.

Check My Policy Call (573) 358-4513

The Missouri Rules That Matter

Four things that change how a claim goes here.

Missouri's rules for riders are simple on paper. What they leave optional is what decides what a claim pays.

1. 25/50/25 and uninsured motorist apply to your bike too

Missouri requires 25/50/25 liability on motor vehicles, motorcycles included: $25,000 per injured person, $50,000 per accident and $25,000 for property damage. Missouri also requires uninsured motorist coverage at $25,000/$50,000. Riding uninsured can bring points on your license and a suspension. Questions about the rules themselves? The Missouri Department of Commerce and Insurance consumer hotline is 800-726-7390.

2. Missouri is an at-fault state

The rider or driver who causes a crash is responsible for the damage, and their liability coverage pays. Missouri uses comparative fault, so responsibility can be shared. That cuts both ways. If you cause it, your limits stand between the claim and your savings. If someone else causes it, you're relying on their coverage, which may be the bare minimum.

3. The helmet law changed, and insurance is part of it

Since August 28, 2020, Missouri riders 26 and older may ride without a helmet if they carry health insurance. Riders under 26 and anyone riding on an instruction permit still have to wear one. Whatever you decide, your own injuries are paid by your health insurance, medical payments and, when the other driver is at fault and short on coverage, your UM/UIM. We'll help you look at that whole stack together.

4. Your auto policy isn't helping

A motorcycle isn't covered by your car's policy. It needs its own. The upside of doing it properly: bikes often cost less to insure than people expect, and putting the bike with your auto and home policies may qualify you for a multi-policy discount. One call to our Sullivan office covers the whole garage.

Let it lapse at some point? Get it back in force today.

A gap can raise your rate and leaves a parked bike exposed to theft and storm damage. One call to (573) 358-4513 starts fixing it.

Get Covered Now Call (573) 358-4513

Whatever you ride. However you ride it.

A daily commuter on I-44 and a garage-kept restoration aren't the same policy. Tell us which one you are.

Daily commuters

I-44 or MO-185 most days, in the same traffic as everyone else. More miles, more exposure, and UM/UIM matters most for you because you're surrounded by the drivers who cause the crashes.

Builds & heavily modified bikes

If your bike left stock a long time ago, the default accessory limit isn't close. Custom parts and equipment coverage exists for exactly this, and it's worth pricing.

Weekend & Route 66 riders

A run down old Route 66 or a loop out past Meramec State Park a few times a month, parked the rest. Ask about options that keep theft and storm coverage in place without paying for road time you aren't using.

Riders who carry passengers

Guest passenger liability is limited or excluded more often than riders realize. If anyone ever gets on the back, check it before you ride, not after.

Classics & collectibles

A vintage bike isn't worth its depreciated book value and shouldn't be insured as if it were. Agreed value is the conversation, the same as for any collector vehicle.

New riders

Highest risk, least experience, and one of the best moves you can make is an approved motorcycle safety course. Start with real limits rather than the legal floor.

One call, and it's often less than you'd think.

You ride fewer miles than you drive, and it can go with the car and the house. Tell us about the bike and we'll walk you through your options.

Get My Free Quote Call (573) 358-4513

Motorcycle insurance in Missouri. From our Sullivan office.

Where you park and store it matters as much as where you ride it. Rates can change ZIP by ZIP. Our office is on Dunsford Drive in Sullivan, and we help riders in Franklin and Crawford counties, along the I-44 corridor and across Missouri.

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Sullivan Stanton Bourbon St. Clair Leslie Gerald Cuba Union Steelville Owensville Washington Franklin County Crawford County I-44 Corridor All of Missouri

Missouri rider questions. Straight answers.

Is motorcycle insurance required in Missouri?

Yes. A motorcycle is a motor vehicle, so it needs the same 25/50/25 liability Missouri requires on a car: $25,000 per injured person, $50,000 per accident, and $25,000 in property damage. Missouri also requires uninsured motorist coverage at $25,000/$50,000.

Underinsured motorist and medical payments aren't required, and Missouri has no PIP requirement. On a bike, both optional coverages are worth a serious look.

Does my auto policy cover my motorcycle?

No.

A motorcycle needs its own policy. Your auto policy doesn't extend to it. The good news is that bike policies are often less than people expect, since you ride fewer miles than you drive, and putting the bike with your auto and home may lower the total.

What is Missouri's motorcycle helmet law?

Since August 28, 2020, Missouri riders 26 and older may ride without a helmet if they have health insurance. Riders under 26, and anyone riding on an instruction permit, still have to wear one.

Whatever you choose, think about how your own injuries would get paid: health insurance, medical payments and UM/UIM. We'll walk through it with you.

What happens if an uninsured or underinsured driver hits me?

Missouri is an at-fault state, so the other driver's liability coverage should pay. The problem is when they carry no insurance, or only the 25/50/25 minimum, and on a bike you're the crumple zone.

Uninsured motorist coverage, which Missouri requires, steps in when the at-fault driver has no insurance. Underinsured motorist coverage, which is optional, helps when their limits run out. On a rider policy, UIM is one of the most important optional coverages.

Does liability coverage pay for my own injuries?

No. Liability pays for the people you injure and the property you damage.

Your own injuries are covered by medical payments, your health insurance, and, when the other driver is at fault and uninsured or underinsured, your UM/UIM coverage. On a bike, building that injury coverage on purpose matters more than on any car.

Are my custom parts and accessories covered?

Only up to a small default limit, and plenty of bikes carry real money in pipes, bars, seats, luggage, chrome and paint.

Custom parts and equipment coverage can raise that limit to match. Bring us the receipts, or at least an honest list, and we'll size it properly.

Is my riding gear covered?

Not automatically. Your helmet, jacket, gloves, boots and armor aren't part of the motorcycle, so the bike's physical damage coverage may not replace them.

A full kit can run into four figures, and one spill can ruin all of it at once. Ask us whether safety apparel coverage can be added to your policy.

Is my passenger covered?

Check, don't assume. Guest passenger liability covers the person on the back, the one most likely to be seriously hurt in your crash.

Some policies include it, some don't. If you ever carry anyone, make sure yours does.

Can I drop coverage while my bike is stored for the winter?

It's a fair question if the bike sits for a few months. Cancelling outright is usually the wrong move: a stored bike can still be stolen, damaged in a garage fire, or hit by a falling limb in a storm, and a coverage gap can raise what you pay when you start riding again.

Instead, ask whether a storage or reduced-coverage option is available for the months the bike is parked. The goal is keeping comprehensive in place while you're not riding.

Will a safety course lower my rate?

It may. Many insurance companies offer a discount for completing an approved motorcycle safety course. Eligibility varies, so ask us what applies to your policy.

Either way, the course makes you a safer rider. It's worth taking.

Do scooters and mopeds need insurance too?

If it's registered for the road, it needs liability coverage, and a small engine doesn't shrink the liability: a scooter can put a pedestrian in the hospital just like a big bike can.

Tell us what you ride, whether it's a scooter for getting around town or a touring bike, and we'll set it up correctly.

Still have questions? Call (573) 358-4513. We'll give you a straight answer.

Bundle the bike with the rest.

Ride it. Don't worry about it.
Free, fast, and in plain English.

Tell us what you ride, what you've done to it, who rides with you, and how you store it. We'll explain your options and build coverage around the actual bike.