Penalties for driving without insurance in Missouri include fines and the suspension of the license and registration. Your liability insurance helps pay for damages caused by the actions of your company or employees. Bankrate's insurance editorial team includes licensed insurance agents who have quoted policies for thousands of customers. In Missouri, your citation could be dismissed if you can provide the court with proof that you have valid insurance on the date of the subpoena equal to or before the date of your appearance.
If you have insurance but can't prove it when you're stopped or are at the scene of an accident, you're guilty of an “administrative offense,” similar to a fine for a seatbelt. In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, the other driver's repair and hospital bills, and your own medical care. Driving safely, following traffic laws, and maintaining a clean driving record are the best ways to keep your insurance costs low. Driving without insurance doesn't completely deny the other driver's fault, but you'll almost certainly be penalized and you won't be able to recover everything you would be entitled to if you had insurance.
If you have an accident while driving without insurance in Missouri, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault. Learn more about the factors that affect car insurance rates and get auto insurance quotes for Missouri through Progressive. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies.