Failure to keep insurance — Missouri Permit Test

Failure to keep insurance on the Missouri permit test — 7 rules, each with the reason behind it and a question on it while it is fresh.

The rules

A first insurance suspension lasts until you pay a $20 fee and file proof of insurance, which you must keep filed for three years.

The fee is small and the filing is long. Three years is the part that costs.

Your driver license and/or license plates will be suspended until you: – Pay a $20 fee. – File proof of insurance. You are required to do this for three years.

Missouri Driver Guide, p.80

Two insurance suspensions within two years of each other suspend your license and plates for 90 days and cost a $200 fee.

The second one costs ten times the first, and takes the license for three months.

suspended for 90 days. You must also: – Pay a $200 fee.

Missouri Driver Guide, p.80

Three or more insurance suspensions suspend your license and plates for one year and cost a $400 fee.

A year off the road and four hundred dollars, and the three-year filing still applies on top.

suspended for one year. You must also: – Pay a $400 fee.

Missouri Driver Guide, p.80

If the Department learns you have not kept your insurance, your driver license and license plates may be taken away or suspended.

Both go, not just one. Without plates the car cannot legally move either.

Your driver license and license plates may be taken away or suspended for not having insurance.

Missouri Driver Guide, p.80

If you are at fault in an accident and do not pay for the damage you caused, your license and plates will be suspended for one year.

Not paying is treated as seriously as not being insured, because the result for the other driver is the same.

If you are at fault in an accident and do not pay for the damages you caused, your driver license and/or vehicle license plates will be suspended for one year.

Missouri Driver Guide, p.80

You may be reinstated during that one-year period by paying a $20 fee and sending proof to the Driver License Bureau that you have settled the damages.

Settling the debt is what ends it, and it can be done at any point in the year.

reinstated during that one-year period if you do the following: • Pay a $20 fee; and • Send proof to the Department of Revenue Driver License Bureau that you have settled the damages.

Missouri Driver Guide, p.80

If you fail to keep insurance for the required three years, your license and plates will be suspended again.

The filing is not a formality. Letting it lapse restarts the whole consequence.

If you fail to keep insurance for three years, your driver license and/or vehicle license plates will be suspended again.

Missouri Driver Guide, p.80

On the test

What does a first insurance suspension require to end it?

A $20 fee and proof of insurance filed for three years. The fee is small and the filing is long. Three years is the part that costs. Missouri Driver Guide, p.80: “Your driver license and/or license plates will be suspended until you: – Pay a $20 fee. – File proof of insurance. You are required to do this for three years.”

How this works

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Where these come from

Every rule here is checked against Missouri Driver Guide, published by the Missouri Department of Revenue, and against the state code itself. Last checked 2026-09-16.