Missouri Revised Statutes

Mo. Rev. Stat. § 303.025 (2026)

Duty to maintain financial responsibility, residents and nonresidents

✓ current as of May 2026

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303.025. Duty to maintain financial responsibility, residents and nonresidents — inoperable or stored vehicles, voluntary suspension of registration — misdemeanor penalty for violations — exception, methods — court to notify department of revenue, additional punishment, right of appeal. — 1. No owner of a motor vehicle registered in this state, or required to be registered in this state, shall operate, register or maintain registration of a motor vehicle, or permit another person to operate such vehicle, unless the owner maintains the financial responsibility which conforms to the requirements of the laws of this state. No nonresident shall operate or permit another person to operate in this state a motor vehicle registered to such nonresident unless the nonresident maintains the financial responsibility which conforms to the requirements of the laws of the nonresident's state of residence. Furthermore, no person shall operate a motor vehicle owned by another with the knowledge that the owner has not maintained financial responsibility unless such person has financial responsibility which covers the person's operation of the other's vehicle; however, no owner or nonresident shall be in violation of this subsection if he or she fails to maintain financial responsibility on a motor vehicle which is inoperable or being stored and not in operation. The director of the department of revenue shall establish by rule a process for voluntary suspension of motor vehicle registration for vehicles which are inoperable or being stored and not in operation. The owner or nonresident shall not further operate the vehicle until the owner or nonresident notifies the department of revenue that the vehicle will be in use, and the department shall reinstate the motor vehicle registration upon receipt of proof of financial responsibility. Owners or nonresidents who operate a motor vehicle during a period of inoperability or storage claimed under this subsection shall be guilty of a class B misdemeanor and may additionally be guilty of a violation of this subsection. Notwithstanding any provision of law to the contrary, the department of revenue may verify motor vehicle financial responsibility as provided by law, but shall not otherwise take legal or administrative action to enforce the requirements of this section unless, in the discretion of the director, the motor vehicle is determined to have been operated in violation of this section, a motor vehicle registration is applied for in violation of this section, or the motor vehicle on two separate occasions thirty days apart is determined to have its registration maintained in violation of this section. The director may prescribe rules and regulations for the implementation of this section.

2. A motor vehicle owner shall maintain the owner's financial responsibility in a manner provided for in section 303.160, or with a motor vehicle liability policy which conforms to the requirements of the laws of this state. A nonresident motor vehicle owner shall maintain the owner's financial responsibility which conforms to the requirements of the laws of the nonresident's state of residence.

3. Any person who violates this section is guilty of a misdemeanor. Except as otherwise provided in this section, a first violation of this section shall be punishable as a class D misdemeanor. A second or subsequent violation of this section may be punished by imprisonment in the county jail for a term not to exceed fifteen days and shall be punished by a fine not less than two hundred dollars but not to exceed five hundred dollars. Prior pleas of guilty and prior findings of guilty shall be pleaded and proven in the same manner as required by section 558.021. However, no person shall be found guilty of violating this section if the operator demonstrates to the court that he or she met the financial responsibility requirements of this section at the time the peace officer, commercial vehicle enforcement officer or commercial vehicle inspector wrote the citation. In addition to any other authorized punishment, the court shall notify the director of revenue of any person convicted pursuant to this section and shall do one of the following:

(1) Enter an order suspending the driving privilege as of the date of the court order. If the court orders the suspension of the driving privilege, the court shall require the defendant to surrender to it any driver's license then held by such person. The length of the suspension shall be as prescribed in subsection 2 of section 303.042. The court shall forward to the director of revenue the order of suspension of driving privilege and any license surrendered within ten days;

(2) Forward the record of the conviction for an assessment of four points;

(3) In lieu of an assessment of points, render an order of supervision as provided in section 302.303. An order of supervision shall not be used in lieu of points more than one time in any thirty-six-month period. Every court having jurisdiction pursuant to the provisions of this section shall forward a record of conviction to the Missouri state highway patrol, or at the written direction of the Missouri state highway patrol, to the department of revenue, in a manner approved by the director of the department of public safety. The director shall establish procedures for the record keeping and administration of this section; or

(4) For a nonresident, suspend the nonresident's driving privileges in this state in accordance with section 303.030 and notify the official in charge of the issuance of licenses and registration certificates in the state in which such nonresident resides in accordance with section 303.080.

4. Nothing in sections 303.010 to 303.050, 303.060, 303.140, 303.220, 303.290, 303.330 and 303.370 shall be construed as prohibiting the department of commerce and insurance from approving or authorizing those exclusions and limitations which are contained in automobile liability insurance policies and the uninsured motorist provisions of automobile liability insurance policies.

5. If a court enters an order of suspension, the offender may appeal such order directly pursuant to chapter 512 and the provisions of section 302.311 shall not apply.

6. Any fines owed to the state pursuant to this section may be eligible for payment in installments. The director shall promulgate rules for the application of payment plans, which shall take into account individuals' ability to pay.

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(L. 1986 S.B. 424, A.L. 1997 H.B. 207, A.L. 1999 S.B. 19, A.L. 2000 H.B. 1797 merged with H.B. 1948, A.L. 2001 S.B. 267, A.L. 2010 S.B. 583, A.L. 2011 H.B. 111, A.L. 2014 S.B. 491, A.L. 2022 H.B. 2168)

Effective 1-01-24, see § 303.039

Notes of Decisions

Cited in 104 cases (1 in the last 5 years), 1987–2023 · leading case: First Nat'l Ins. Co. of Am. v. Clark, 899 S.W.2d 520 (Mo. 1995).

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First Nat'l Ins. Co. of Am. v. Clark, 899 S.W.2d 520 (Mo. 1995). · cites it 11× “*522 Appellant argues that Section 303.025, which requires all drivers to maintain financial responsibility, requires the Court to employ the reasoning in Cameron to hold that the non-owned vehicle provision of the policy sub judice violates public policy, and that the statute…”

State v. Beam, 334 S.W.3d 699 (Mo. Ct. App. 2011). · cites it 7× “Finding sufficient evidence that Beam failed to maintain financial responsibility as required under Section 303.025 RSMo (2000) 2 , we affirm that portion of the trial court’s judgment.”

Session v. Dir. of Revenue, 417 S.W.3d 898 (Mo. Ct. App. 2014). · cites it 10× “2 On December 2, 2011, the Director upheld a suspension of Session’s driving privileges for noncompliance with the mandatory insurance provisions of Section 303.025, RSMo Cum.Supp.2010. The Director also upheld a decision pursuant to Section 303.”

Hudson v. Dir. of Revenue, 216 S.W.3d 216 (Mo. Ct. App. 2007). · cites it 8× “4, the director cites case law interpreting another section of the act, section 303.025. Prior to January 1, 2000, section 303.”

State v. Jackson, 186 S.W.3d 873 (Mo. Ct. App. 2006). · cites it 4× “§§ 303.025; 304.019; 544.216. 5 Mr. Jackson disagrees, however, with the statement that the policy of the Lexington Police Department was to require anyone who does not reside in Lexington to post a bond when stopped for a traffic violation.”

Am. Fam. Mut. Ins. Co. v. Ward, 789 S.W.2d 791 (Mo. 1990). · cites it 4× “The facts remain: the insurance liability policy purchased by Larry Ward became effective December 1, 1984; motor vehicle owners were not required to maintain financial responsibility, usually motor vehicle liability policies, until July 1, 1987, § 303.”

Kinder v. Dir. of Revenue, 895 S.W.2d 627 (Mo. Ct. App. 1995). · cites it 7× “Licensee did not have liability insurance on his vehicle as required under RSMo § 303.025. 1 On December 20, 1992, Director notified licensee that, effective January 22, 1993, his driver’s license was suspended for sixty days.”

State Farm Mut. Auto. Ins. v. Scheel, 973 S.W.2d 560 (Mo. Ct. App. 1998). · cites it 6× “Section 303.025 states: 1. No owner of a motor vehicle registered in this state shall operate the vehicle .”

Hartman Ex Rel. Hartman v. Hartman, 821 S.W.2d 852 (Mo. 1991). · cites it 3× “The first relates to the inappropriateness of retaining the immunity or some form of it. The second is relevant to the proper approach to adopt in the event of abrogation of the immunity.”

Wilson v. Traders Ins. Co., 98 S.W.3d 608 (Mo. Ct. App. 2003). · cites it 5× “; see also §§ 303.025 and 303.160. 11 It is, “for all practical purposes, a compulsory insurance law.”

Yates v. Progressive Preferred Ins. Co., 331 S.W.3d 324 (Mo. Ct. App. 2011). · cites it 9× “§ 303.025. In Ingram, 922 S.W.2d at 857 , a named driver exclusion similar to the one present in the policy at issue in this case was held to be invalid as against public policy up to the minimum coverage limits found in section 303.”

State Farm Mut. Auto. Ins. Co. v. Zumwalt, 825 S.W.2d 906 (Mo. Ct. App. 1992). · cites it 4× “The opinion explained that § 303.025, RSMo 1986 1 (a part of the 1986 legislation), and § 303.”

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— Mo. Rev. Stat. § 303.025(1) — 2 cases

Am. Stand. Ins. Co. of Wisconsin v. Bracht, 103 S.W.3d 281 (Mo. Ct. App. 2003).

Am. Stand. Ins. Co. of Wi v. Bracht, 103 S.W.3d 281 (Mo. Ct. App. 2003).

— Mo. Rev. Stat. § 303.025(2) — 1 case

Distler v. Reuther Jeep Eagle, 14 S.W.3d 179 (Mo. Ct. App. 2000).

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