Missouri motorcycle insurance

Q: What's the best motorcycle insurance in Missouri?

Nearly one in three insured motorcycle riders choose Progressive. Whether you ride in Kansas City, St. Louis, Springfield, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Missouri that doesn't skimp on coverage, so you can ride protected and with peace of mind .

Motorcycle culture is alive and well in Missouri with several annual rallies and events held throughout the Show-Me State. Progressive takes pride in helping safeguard bikers in Missouri with customized protection and a variety of discounts that help you save. From coverages to legal requirements and more, learn everything you need to know about motorcycle insurance in Missouri.

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What are the minimum requirements for motorcycle insurance in Missouri?

Missouri motorcycle insurance laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won’t cover damage to your bike but may pay for injuries and damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Bodily injury property damage	What it coversDamages you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured motorist bodily injury	What it coversMedical bills for you and your passengers if the at fault motorist has no insurance	Minimum amount$25,000 per person $50,000 per accident

Underinsured motorist bodily injury coverage is optional in Missouri and can pay your remaining medical expenses if the other driver's policy limit doesn't cover the total amount. Missouri also mandates medical payments coverage, but you may reject this coverage by submitting a signed form if you choose not to carry it.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are optional unless you're financing or leasing your motorcycle. But even if your bike is paid in full, you may want to protect your prized possession against physical damage. Comprehensive coverage may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Missouri?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Missouri with liability coverage only was $224.28^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Missouri?

One in three insured motorcycle riders choose Progressive^**. Whether you ride in Kansas City, St. Louis, Springfield, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance for bikers in Missouri that doesn't skimp on coverage, so you can ride protected and with peace of mind.

You can decrease the cost of motorcycle insurance in Missouri with motorcycle insurance discounts, such as:

Multi-policy discount
Anti-lock brakes discount
Motorcycle license/endorsement discount
Responsible driver discount
Association discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Missouri

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal items you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during an accident
Roadside assistance: Covers the cost of towing your motorcycle to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Missouri

Missouri motorcycle law requires any motorcycle operator or passenger under 26 to wear a helmet. All operators with only an instruction permit must wear a helmet regardless of age.
Missouri requires a motorcycle endorsement, which can be obtained if you're at least 18, have a driver's license, pass written and on-road tests, and pay licensing fees.
According to Missouri law, lane splitting or filtering is not prohibited, but riders can be ticketed if deemed unsafe by a police officer.