Missouri Motorcycle Info: Insurance, Licensing, Safety, and More
Motorcycle Insurance & Requirements
Motorcycle insurance is required for all riders in Missouri. There is a minimum compulsory liability of:
- Bodily Injury Liability Limit for Individual: $25,000
- Bodily Injury Liability Limit for Every Person in Accident: $50,000
- Property Damage Liability Limit: $10,000
When looking for insurance quotes in Missouri, you may want to begin by looking at our review of insurance companies or get more detailed information on motorcycle insurance companies from the state regulator's website. You can see the full list of licensed insurers in the state plus get many other useful resources including information on how to file a complaint by visiting the state insurance division web site.
Licensing and Registration
Please visit these Missouri websites for updated and detailed information
Helmet Laws
Helmets are required in the state, must be in all riders possession and worn by riders and passengers. We strongly advocate the use of helmets at all times for all riders and passengers to protect from injuries.
Use our specialized search to find Missouri motorcycle resources
Motorcycle Safety Schools and Training Programs
Many states offer motorcycle safety training programs and most insurance companies will offer discounts to bikers that have completed a certified course.
Below is a partial list of The Motorcycle Safety Foundation Certified Safety courses in Missouri. See www.msf-usa.org for a complete and updated list
- Kansas City - Rolling Wheels Training Center
- Springfield - Missouri Highway And Transportation
- Columbia - Mid America Harley-davidson
- Festus - Surdyke Harley-davidson
- Ballwin - St. Louis County Park Rangers
- Hillsboro - Jefferson College
- Kirkwood - Doc's Harley-davidson
- Saint Charles - St. Charles
Accidents and Safety in Missouri
According to the National Highway Traffic Association and Federal Highway Administration, in 2008 there were 99,025 motorcycles registered in Missouri with only 102 motorcycle accident deaths in the state.
| State | Registered Motorcycles | Motorcycle Riders Killed | Percent Helmeted | Percent Not Helmeted | Impaired Riders Killed (BAC=.01+) |
| MO | 99.025 | 102 | 77% | 23% | 36% |
| IA | 181.735 | 48 | 15% | 85% | 22% |
| IL | 332.031 | 121 | 26% | 74% | 47% |
| KY | 64.994 | 93 | 40% | 60% | 28% |
| TN | 151.368 | 134 | 89% | 11% | 31% |
| AR | 71.080 | 59 | 42% | 58% | 37% |
| OK | 115.588 | 80 | 25% | 75% | 32% |
| KS | 84.259 | 43 | 26% | 74% | 49% |
| NE | 43.407 | 19 | 84% | 16% | 39% |
Sweet Rides in Missouri
Here are some of the designated highways to consider for a ride. Enjoy the beautiful vistas the state has to offer bikers.
- Crowley's Ridge Parkway
- Great River Road
- Blue Buck Knob Scenic Byway
- Cliff Drive
- Glade Top Trail
- Great River Road - Missouri
- Historic Route 66 - MO
- Old Trails Road
- Ozark Mountain Highroad
- Ozark Mountain Parkway
- Sho-Me Santa Fe Trails
- Spirit of Kansas City
- Stars and Stripes Historical/Cultural Byway
- Sugar Camp Scenic Byway
Biking Clubs
- American Cruisers Chapter 154
- Lady Cruisers Of The Ozarks
- Missouri Metrics
Useful Resources
Learn about motorcycling in neighboring states
What's your view - The MIQ poll