Missouri insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Missouri. Updated Apr 15, 2026.
Missouri DOI page content changed
Missouri DOI Website · Apr 16, 2026
Department of Insurance
The Missouri Department of Commerce and Insurance oversees the insurance industry, ensuring consumer protection and market competitiveness. The department reviews insurance rates and policy forms to ensure compliance with state laws.
Auto Insurance
Notable Laws
- RSMo § 303.025 - Mandatory financial responsibility for all motor vehicle owners
- RSMo § 303.390 - 'No Pay, No Play' law: uninsured motorists cannot collect non-economic damages
- RSMo § 303.041 - SR-22 filing requirements for high-risk drivers
- RSMo § 379.118 - 10-day cancellation notice requirement for non-payment of premium
- RSMo § 302.302 - Point system for traffic violations and insurance verification
- MO Rev Stat § 379.203
- MO Rev Stat § 379.204
- MO Rev Stat § 379.205
- MO Rev Stat § 379.206
- MO Rev Stat § 379.207
Homeowners Insurance
Notable Laws
- RSMo § 379.883 - 60-day notice requirement for policy cancellation or non-renewal
- RSMo § 379.118 - 10-day notice for cancellation due to non-payment of premium
- RSMo § 375.918 - Credit scoring allowed for underwriting and rating with restrictions
- SB 3 (2025) - Homestead Disaster Tax Credit for insurance deductibles up to $5,000 for 2025 claims
- RSMo § 379.886 - 90-day notice to director for cancellation of entire line or class
- MO Rev Stat § 379.140
- MO Rev Stat § 379.141
- MO Rev Stat § 379.142
- MO Rev Stat § 379.143
- MO Rev Stat § 379.144
Recent Bulletins
Conduent Cybersecurity Breach
Notice regarding Conduent cybersecurity breach discovered January 13, 2025, affecting files with names, addresses, and social security numbers. Unauthorized access occurred from October 21, 2024 to January 13, 2025.
View bulletinClaims Valuation Software
Guidance for insurers using third-party valuation software to determine actual cash value (ACV) of vehicles designated as total losses. Outlines best practices to ensure compliance with Missouri Unfair Claims Settlement Practices Act (§§ 375.1000-375.1018).
View bulletinAnnual Statistical Reporting Requirements
Reminder to all insurers of annual statistical reporting obligations with various deadlines: March 1st, March 31st, April 1st, April 15th, July 1st, and quarterly reporting requirements.
View bulletinUpdated Catastrophe/Disaster Coordination Contact
Requests insurers provide current Catastrophe/Disaster Coordination Contact information in anticipation of spring storm season using UCAA Form 14.
View bulletinInsurance Data Security Act
Guidance on Insurance Data Security Act implementation, including electronic form for reporting cybersecurity events, third-party service provider notifications, and scope of licensee definitions. Act took effect January 1, 2026.
View bulletinRecent Law Changes
Farm Bureau Health Benefit Plans
Allows Missouri Farm Bureau to offer health benefit plans to members exempt from certain insurance regulations. Plans may exclude pre-existing conditions and limit benefits. Signed July 14, 2025.
Farm Bureau members can purchase alternative health plans with fewer regulatory requirements but potentially less comprehensive coverage than ACA-compliant plans.
Effective: 2025-08-28
Insurance Data Security Act
Establishes comprehensive data security requirements for insurance companies (licensees), including cybersecurity programs, third-party service provider oversight, and mandatory breach notification within 4 business days. Signed July 2, 2025.
All insurance licensees must implement formal cybersecurity programs and report qualifying cybersecurity events to the Department, increasing compliance obligations and operational costs.
Effective: 2026-01-01
Homestead Disaster Tax Credit
Creates tax credit for insurance deductibles on residential property damage caused by disasters in 2025, up to $5,000 per taxpayer. Signed during 2025 special session.
Homeowners who filed insurance claims for 2025 storm damage can claim tax credit equal to their deductible (max $5,000), providing financial relief to disaster victims.
Effective: 2025-01-01
Property and Casualty Insurance Omnibus Bill
Enacts multiple provisions including lender-placed insurance requirements, insurance company demutualization procedures, and standard fire policy applications. Signed August 28, 2023 (enacted in 2024).
Insurers must comply with new lender-placed insurance transparency requirements and standardized procedures for mutual insurance company conversions.
Effective: 2025-01-01
Suitability in Annuity Transactions
Adopted amendments to 20 CSR 400-5.900 incorporating 'Best Interest' standard for annuity sales, requiring producers to act in consumers' best interests when recommending annuities. Effective August 30, 2024.
Annuity producers must meet higher suitability standards, conduct comprehensive needs assessments, and document best interest determinations for all annuity recommendations.
Effective: 2024-08-30
Health Insurance
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