Missouri: Insurance and vehicle papers
Missouri’s required insurance and proof of it, reporting a crash, titling and registering a vehicle, and safety and emissions inspections. Split into 4 shorter tests so you're not stuck in one long quiz.
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Insurance and vehicle papers — Part 1
Questions in this part include: “Which of these failures can cost you your license?”
StartInsurance and vehicle papers — Part 2
Questions in this part include: “Who must print and sign their names to verify the mileage when a vehicle is sold?”
StartInsurance and vehicle papers — Part 3
Questions in this part include: “Which document can you bring in place of the renewal notice when you renew your registration?”
StartInsurance and vehicle papers — Part 4
Questions in this part include: “What must you do when you register a vehicle with the Department?”
StartAll 75 Insurance and vehicle papers questions with answers
Choose a part above to take a practice test, or study every question and answer here.
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Which of these failures can cost you your license?
- Failing to file an accident report
- Failing to renew your vehicle registration online
- Failing to carry a Boating Safety Education Card
- Failing to request a veteran designation
Show answer
Correct answer: Failing to file an accident report
Failing to file an accident report is listed as a reason you can lose your license.
Source: Missouri Driver Guide (Revised August 2026), page 14 · Open this page in the manual (Manual page 14)
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Which insurance-related failure can cost you your license?
- Changing insurance companies at renewal time
- Updating the address on your vehicle registration
- Carrying an out-of-state insurance card in your glove box
- Failing to keep insurance (financial responsibility)
Show answer
Correct answer: Failing to keep insurance (financial responsibility)
Failing to keep insurance (financial responsibility) is a listed reason for losing your license.
Source: Missouri Driver Guide (Revised August 2026), page 15 · Open this page in the manual (Manual page 15)
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Which of these insurance-related actions can cost you your license?
- Switching to a different insurance company
- Showing an insurance card on your phone to an officer
- Submitting false proof of insurance
- Adding a second driver to your insurance policy
Show answer
Correct answer: Submitting false proof of insurance
Submitting false proof of insurance is a listed reason for losing your license.
Source: Missouri Driver Guide (Revised August 2026), page 15 · Open this page in the manual (Manual page 15)
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What proof must the test vehicle have for the driving test?
- Proof of financial responsibility
- Proof of a recent oil change
- A signed note from the examiner
- A statement from your driving instructor
Show answer
Correct answer: Proof of financial responsibility
The test vehicle must have proof of financial responsibility.
Source: Missouri Driver Guide (Revised August 2026), page 19 · Open this page in the manual (Manual page 19)
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If you face the consequences of a DWI or BAC offense, what is the most common method of filing proof of insurance?
- A signed letter from the insurance company
- A receipt for the insurance premium
- A copy of the vehicle registration
- An SR-22 insurance filing
Show answer
Correct answer: An SR-22 insurance filing
The guide says the most common method of filing proof of insurance is an SR-22 insurance filing.
Source: Missouri Driver Guide (Revised August 2026), page 69 · Open this page in the manual (Manual page 69)
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For how long must proof of insurance be kept on file with the Driver License Bureau after a DWI or BAC offense?
- One year
- Two years
- Three years
- Five years
Show answer
Correct answer: Two years
Proof of insurance must be kept on file with the Driver License Bureau for two years.
Source: Missouri Driver Guide (Revised August 2026), page 69 · Open this page in the manual (Manual page 69)
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What happens if you do not keep proof of insurance on file for the required two years after a DWI or BAC offense?
- Your license is revoked for a period of ten years
- Your vehicle is impounded until you file the proof
- You are given a written warning and a new deadline
- Your license is suspended for the rest of the two years
Show answer
Correct answer: Your license is suspended for the rest of the two years
The driver license will be suspended for the rest of the two years unless the driver files proof of insurance and pays the fee.
Source: Missouri Driver Guide (Revised August 2026), page 69 · Open this page in the manual (Manual page 69)
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Who does not have to file proof of insurance on a first offense after a DWI or BAC consequence?
- Minors with a BAC of .02% or more
- Drivers with a BAC of .15% or higher
- Drivers who caused property damage
- Drivers who refused a chemical test
Show answer
Correct answer: Minors with a BAC of .02% or more
There is one exception: minors with a BAC of .02% or more do not have to file proof of insurance on a first offense.
Source: Missouri Driver Guide (Revised August 2026), page 69 · Open this page in the manual (Manual page 69)
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When you buy a vehicle, within how many days must you apply for a title?
- 10 days
- 30 days
- 60 days
- 90 days
Show answer
Correct answer: 30 days
The guide says that when you buy a vehicle, you must apply for a title within 30 days.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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What does a vehicle title prove?
- That the vehicle is insured
- That the vehicle passed inspection
- That the plates are paid up to date
- That you own the vehicle
Show answer
Correct answer: That you own the vehicle
A title is proof that you own your vehicle.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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Where may you apply for a vehicle title?
- Only at the office in your county
- At any license office
- Only at a Highway Patrol station
- Only at the dealer who sold it
Show answer
Correct answer: At any license office
You may apply for a title at any license office.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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What happens when you apply for a title at a license office?
- You get the title over the counter that day
- The dealer delivers the title within a week
- The title is sent to your insurance company
- You get a receipt, and the title comes by mail
Show answer
Correct answer: You get a receipt, and the title comes by mail
When you apply for a title, you receive a receipt, and the Department mails you the title.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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What does the guide say about where to keep your vehicle title?
- Do not keep it in your vehicle
- Keep it in the glove box at all times
- Carry it with your driver license
- Give it to your insurance company
Show answer
Correct answer: Do not keep it in your vehicle
A title is a very important personal document, so you should not keep it in your vehicle.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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When you buy a new vehicle in Missouri, what does the dealer give you along with a title application?
- A personal property statement of non-assessment
- An identification number and odometer form
- An assigned Manufacturer’s Statement of Origin
- A notarized affidavit from the manufacturer
Show answer
Correct answer: An assigned Manufacturer’s Statement of Origin
For a new vehicle bought in Missouri, the dealer gives you a title application and an assigned Manufacturer’s Statement of Origin (MSO).
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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What does a Manufacturer’s Statement of Origin (MSO) indicate?
- The vehicle is new and has never been registered
- The vehicle passed a safety and emissions test
- The vehicle has no lien held against it
- The vehicle was built inside Missouri
Show answer
Correct answer: The vehicle is new and has never been registered
The MSO shows that the vehicle is new and has never been registered.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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For a new vehicle, who must complete the odometer disclosure portion on the back of the MSO?
- Only the dealer
- Only the manufacturer
- Both you and the dealer
- A licensed inspection station
Show answer
Correct answer: Both you and the dealer
You (the purchaser) and the dealer must complete the odometer disclosure portion on the back of the MSO.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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If you buy a used vehicle from a dealer in Missouri, what should you receive in addition to a properly assigned title?
- A new Statement of Origin (MSO)
- A completed title application
- A one-year registration tab
- A safety inspection waiver
Show answer
Correct answer: A completed title application
If you buy a used vehicle from a dealer, you should also receive a completed title application.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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For which used vehicles is a proper odometer disclosure on the back of the title required?
- Model year 2001 and newer, until 10 years old
- Every vehicle, no matter how old it is
- Model year 2016 and newer, until 30 years old
- Model year 2011 and newer, until 20 years old
Show answer
Correct answer: Model year 2011 and newer, until 20 years old
A proper odometer disclosure is required on vehicles of model year 2011 and newer until the vehicle reaches twenty years old.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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When a vehicle of model year 2011 or newer and less than 20 years old is sold, who must write the mileage reading on the title assignment?
- The buyer
- The seller
- The license office clerk
- The inspection station
Show answer
Correct answer: The seller
When a vehicle is bought or sold, the seller must write the mileage reading on the title assignment if the model year is 2011 or newer and the vehicle is less than 20 years old.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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Who must print and sign their names to verify the mileage when a vehicle is sold?
- Only the seller of the vehicle
- Only the buyer of the vehicle
- A notary public and the seller
- Both the buyer and the seller
Show answer
Correct answer: Both the buyer and the seller
Both the buyer and the seller must print and sign their names verifying the mileage.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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If the title assigned to you for a used vehicle is an out-of-state title, who must complete the identification number and odometer (ID/OD) verification form?
- A licensed inspection station
- The seller of the vehicle
- Your insurance company
- The county assessor
Show answer
Correct answer: A licensed inspection station
When the title assigned to you is an out-of-state title, you must get an ID/OD verification form completed by a licensed inspection station.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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If you buy a new vehicle from an out-of-state dealer, what must you receive along with the assigned MSO?
- A copy of the dealer’s business license
- An out-of-state safety inspection report
- The dealer’s invoice or a bill of sale
- A temporary license plate from that state
Show answer
Correct answer: The dealer’s invoice or a bill of sale
For a new vehicle bought out of state, you must receive the dealer’s invoice or a bill of sale and the assigned MSO from the out-of-state dealer.
Source: Missouri Driver Guide (Revised August 2026), page 75 · Open this page in the manual (Manual page 75)
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You buy a used vehicle in a state that does not require a title. What must you get?
- A bill of sale and its last certificate of registration
- A notarized letter from the seller’s insurance company
- A sworn statement from that state’s highway patrol
- Only a copy of the seller’s driver license
Show answer
Correct answer: A bill of sale and its last certificate of registration
If the state does not require a title, you must get a bill of sale and the vehicle’s last certificate of registration in that state.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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Which of these is part of the information completed in the assignment area of a properly assigned title?
- The buyer’s insurance policy number
- The seller’s driver license number
- The sale price of the vehicle
- The date of the last inspection
Show answer
Correct answer: The sale price of the vehicle
The assignment area of a properly assigned title includes the sale price of the vehicle, along with items such as the date of the sale and the buyer’s name and address.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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In the assignment area of a properly assigned title, whose signature and printed name are required?
- Only the first seller listed
- All sellers of the vehicle
- A notary public
- The license office clerk
Show answer
Correct answer: All sellers of the vehicle
A properly assigned title has the signature and printed name of all sellers completed in the assignment area.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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A new Missouri resident must register their vehicle within how many days of becoming a Missouri resident?
- 10 days
- 45 days
- 120 days
- 30 days
Show answer
Correct answer: 30 days
If you are a new Missouri resident, you must register your vehicle within 30 days of becoming a Missouri resident.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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What must a new Missouri resident do with their out-of-state vehicle title?
- Keep it and add a Missouri title sticker
- Surrender it and apply for a Missouri title
- Mail it back to the state that issued it
- Keep it with you until you sell the car
Show answer
Correct answer: Surrender it and apply for a Missouri title
A new Missouri resident must surrender the out-of-state title and apply for a Missouri title.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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You are a new Missouri resident, and the financial institution that holds your out-of-state title cannot release it. Along with one of three listed options, what must you provide?
- A court order releasing the lender’s lien on the car
- Proof from the lender that your loan is paid in full
- A new Manufacturer’s Statement of Origin for the car
- A statement that the title will not be surrendered to you
Show answer
Correct answer: A statement that the title will not be surrendered to you
You must provide a statement from the financial institution indicating the title will not be surrendered to the vehicle owner, plus one of three listed options.
Source: Missouri Driver Guide (Revised August 2026), page 76 · Open this page in the manual (Manual page 76)
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What do you receive when you register your vehicle in Missouri?
- Missouri license plates and a year tab on the plate
- A windshield sticker and a temporary permit
- A new title and an odometer verification form
- A registration decal for the rear window
Show answer
Correct answer: Missouri license plates and a year tab on the plate
When you register your vehicle in Missouri, you receive Missouri license plates and a year tab located on the plate.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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During an odd-numbered calendar year, which vehicles may be registered for two years?
- Only commercial vehicles
- Only vehicles that passed an emissions test
- Vehicles with an odd-numbered model year
- Any vehicle whose owner requests it
Show answer
Correct answer: Vehicles with an odd-numbered model year
During an odd-numbered year, you may register for two years if your vehicle has an odd-numbered model year.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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If your vehicle cannot get a two-year registration in the current year, what registration is available?
- Only a one-year registration
- Only a three-year registration
- A six-month temporary registration
- No registration until next year
Show answer
Correct answer: Only a one-year registration
A two-year registration depends on matching even or odd model and calendar years; otherwise, only a one-year registration is available.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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About how long before your vehicle registration expires should you receive a renewal notice in the mail?
- About two weeks
- About four months
- About two months
- About one year
Show answer
Correct answer: About two months
You should receive a renewal notice in the mail about two months before your vehicle registration expires.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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If you do not receive a registration renewal notice, what does the law require?
- You receive an automatic 30-day extension to renew
- You must still renew your plates before they expire
- You may renew within 60 days after they expire
- You must wait until the Department sends a new one
Show answer
Correct answer: You must still renew your plates before they expire
Even if you do not receive the notice, you are still required by law to renew your license plates before they expire.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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What does the guide say to do to make sure you receive your registration renewal notice?
- Renew your driver license early
- Keep your title in your vehicle
- Register at the same office yearly
- Update your address if you move
Show answer
Correct answer: Update your address if you move
To ensure you receive a renewal notice, you should update your address if you move.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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When renewing your registration, which document can stand in for a paid personal property tax receipt?
- A letter from your insurance company
- A county statement of non-assessment
- A bill of sale for the vehicle
- Your previous year’s inspection report
Show answer
Correct answer: A county statement of non-assessment
The renewal requirements accept a paid personal property tax receipt or a statement of non-assessment from the county where you reside (or the city of St. Louis).
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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If you had a two-year registration, which personal property tax receipts must you show to renew it?
- A receipt from the year you bought it
- Receipts from the past five years
- No receipt at all for two-year plates
- Receipts from the previous two years
Show answer
Correct answer: Receipts from the previous two years
If you had a two-year registration, you show personal property tax receipts from the previous two years.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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Which of these may be required when you renew your vehicle registration?
- A current insurance identification card
- Your vehicle’s original window sticker
- A certified copy of your birth certificate
- A letter from your vehicle’s dealer
Show answer
Correct answer: A current insurance identification card
The renewal requirements include a current insurance identification card or other proof of financial responsibility.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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If a safety and/or emissions inspection applies to your registration renewal, the inspection must have been done within the last how many days?
- 10 days
- 30 days
- 60 days
- 180 days
Show answer
Correct answer: 60 days
To renew, you need a current certificate of safety and/or emissions inspection done within the last 60 days, if applicable.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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Which document can you bring in place of the renewal notice when you renew your registration?
- A copy of your title
- Your Notice of Sale form
- Your driver license
- Your bill of sale
Show answer
Correct answer: A copy of your title
The renewal requirements accept the renewal notice, a registration receipt from the previous year, or a copy of your title.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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If you are eligible to renew your plates online, where will your Personal Identification Number (PIN) be printed?
- On your vehicle title
- On your driver license
- On your renewal notice
- On your insurance card
Show answer
Correct answer: On your renewal notice
If you are eligible to renew online, a Personal Identification Number (PIN) will be printed on your renewal notice.
Source: Missouri Driver Guide (Revised August 2026), page 77 · Open this page in the manual (Manual page 77)
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What does state law require you to complete to report the sale of your motor vehicle?
- A Manufacturer’s Statement of Origin
- A Notice of Sale
- A new registration application
- A plate surrender affidavit
Show answer
Correct answer: A Notice of Sale
State law requires you to report the sale of your motor vehicle or all-terrain vehicle by completing a Notice of Sale.
Source: Missouri Driver Guide (Revised August 2026), page 78 · Open this page in the manual (Manual page 78)
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When you sell your motor vehicle, within how many days must you submit the Notice of Sale?
- 10 days
- 60 days
- 90 days
- 30 days
Show answer
Correct answer: 30 days
The Notice of Sale must be submitted to any license office or to the address on the form within 30 days.
Source: Missouri Driver Guide (Revised August 2026), page 78 · Open this page in the manual (Manual page 78)
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What must you do if your license plates, tabs or title are lost or destroyed?
- Report it only to the police
- Apply for a replacement
- Keep driving until your next renewal
- Register the vehicle again as new
Show answer
Correct answer: Apply for a replacement
If your license plates, tabs or title are lost or destroyed, you must apply for a replacement.
Source: Missouri Driver Guide (Revised August 2026), page 78 · Open this page in the manual (Manual page 78)
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What does liability insurance cover?
- Legal liability for injuries to other persons or damage to property
- Repairs to the policyholder’s own vehicle after any kind of crash
- The policyholder’s own medical bills and lost wages after a crash
- Replacement of license plates and tabs that are lost or stolen
Show answer
Correct answer: Legal liability for injuries to other persons or damage to property
Liability insurance covers the policyholder’s legal liability for injuries to other persons or damage to their property.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What is the state requirement that motor vehicle operators and owners carry a form of liability insurance called?
- Mandatory Compliance Law
- Vehicle Indemnity Rule
- Financial Responsibility
- Owner Liability Coverage
Show answer
Correct answer: Financial Responsibility
Missouri calls the liability insurance requirement for motor vehicle operators and owners Financial Responsibility.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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When are motor vehicle owners required to show proof of insurance?
- Only when a vehicle is sold or traded in to a dealer
- When registering a vehicle or renewing plates
- Only when a crash report has been filed with the state
- Only when applying for a student permit at an office
Show answer
Correct answer: When registering a vehicle or renewing plates
Owners must show proof of insurance when they register a vehicle or renew their license plates.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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Which of these is listed as a way to provide proof of insurance?
- A receipt for the vehicle’s registration fee
- A letter from the vehicle’s previous owner
- A copy of the vehicle’s title record
- A hand held electronic device
Show answer
Correct answer: A hand held electronic device
Proof of insurance may be shown with a hand held electronic device, among the other ways the Department lists.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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When proof of insurance is listed as a copy of an insurance binder, what is a binder?
- A temporary policy
- A certificate issued by the Department
- An ID card from the license office
- A form filed only after a crash
Show answer
Correct answer: A temporary policy
The manual describes an insurance binder as a temporary policy.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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To be self-insured, you must have more than how many vehicles?
- 5
- 10
- 25
- 50
Show answer
Correct answer: 25
Self-insurance requires more than 25 vehicles and proof that you can and will pay for damage they cause.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What amount must be filed with the Department to insure through a real estate bond?
- $100,000
- $150,000
- $200,000
- $250,000
Show answer
Correct answer: $150,000
A real estate bond must be filed in the amount of $150,000 with the Department.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What amount must be filed with the Department to insure through a surety bond, certificate of deposit, or other negotiable securities (not a real estate bond)?
- $25,000
- $50,000
- $100,000
- $75,000
Show answer
Correct answer: $75,000
A bond, certificate of deposit or security other than a real estate bond must be filed in the amount of $75,000.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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How much cash may be deposited with the State Treasurer as a form of liability insurance?
- $75,000
- $40,000
- $100,000
- $125,000
Show answer
Correct answer: $75,000
A deposit of $75,000 in cash with the State Treasurer is one of the other forms of liability insurance.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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Where may a $75,000 cash deposit be made as a form of liability insurance?
- With the county clerk office
- With the Highway Patrol
- With the State Treasurer
- With an insurance agent
Show answer
Correct answer: With the State Treasurer
The $75,000 cash deposit may be made with the State Treasurer, and the Department then issues a certificate of self-insurance.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What is the minimum liability coverage state law requires for bodily injury per person?
- $15,000
- $25,000
- $30,000
- $100,000
Show answer
Correct answer: $25,000
State law requires at least $25,000 per person for bodily injury.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What is the minimum liability coverage state law requires for bodily injury per crash?
- $20,000
- $75,000
- $100,000
- $50,000
Show answer
Correct answer: $50,000
State law requires at least $50,000 per crash for bodily injury.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What is the minimum liability coverage state law requires for property damage per crash?
- $25,000
- $10,000
- $15,000
- $100,000
Show answer
Correct answer: $25,000
State law requires at least $25,000 per crash for property damage.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What uninsured motorist coverage for bodily injury does the law also require you to have?
- $10,000 per person and $20,000 per crash
- $50,000 per person and $100,000 per crash
- $25,000 per person and $50,000 per crash
- $25,000 per person and $25,000 per crash
Show answer
Correct answer: $25,000 per person and $50,000 per crash
The law requires uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 per crash.
Source: Missouri Driver Guide (Revised August 2026), page 79 · Open this page in the manual (Manual page 79)
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What must you do when you register a vehicle with the Department?
- Pay for three full years of insurance in advance
- Sign a form saying you have insurance and will keep it
- Show a safety inspection certificate from a licensed station
- Sign a form agreeing to file an SR-22 every year
Show answer
Correct answer: Sign a form saying you have insurance and will keep it
When you register a vehicle you must sign a form saying you have insurance and will keep insurance on the vehicle.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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A law enforcement officer asks you for proof of insurance and you cannot show it. What will happen?
- You will be allowed to show it later without penalty
- Your vehicle will be towed at once
- Your driver license will be cancelled on the spot
- You will receive a ticket
Show answer
Correct answer: You will receive a ticket
You must keep proof of insurance in your vehicle, and if you cannot show it to an officer you will receive a ticket.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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You are in a crash and did not show proof of insurance at the time. What will the Department do?
- Require you to prove you have insurance
- Take no action unless someone is injured
- Require you to pay a fine at the crash scene
- Cancel your registration without notice
Show answer
Correct answer: Require you to prove you have insurance
If you were in a crash and did not show proof of insurance then, the Department will require you to prove you have insurance.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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How will you be told if the Department learns you have not kept your insurance?
- By a phone call from a license office
- By a visit from a law enforcement officer
- By a notice of suspension sent in the mail
- By a notice posted at your local license office
Show answer
Correct answer: By a notice of suspension sent in the mail
You will receive a notice of suspension in the mail if the Department learns you have not kept your insurance.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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After a suspension for not keeping insurance, for how long are you required to file proof of insurance?
- Six months
- Three years
- One year
- Five years
Show answer
Correct answer: Three years
To get your license and plates back after a suspension for no insurance you must file proof of insurance for three years.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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For not keeping insurance, how long are your driver license and/or license plates suspended after two suspensions within two years of each other?
- 30 days
- 180 days
- Two years
- 90 days
Show answer
Correct answer: 90 days
After two suspensions within two years of each other, the license and/or plates are suspended for 90 days.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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For not keeping insurance, how long are your driver license and/or license plates suspended after three or more suspensions?
- One year
- 30 days
- 90 days
- Six months
Show answer
Correct answer: One year
After three or more suspensions for not keeping insurance, the license and/or plates are suspended for one year.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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What is the most common way to file proof of insurance with the Department after a suspension for no insurance?
- A Form 1140 accident report
- A mail-in driver license application
- An SR-22 insurance filing
- A Driver Examination Record
Show answer
Correct answer: An SR-22 insurance filing
The most common way to file proof of insurance is an SR-22 insurance filing made through your insurance company or agent.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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What happens if you fail to keep insurance for the three years you are required to file proof?
- The three-year period starts over with no penalty
- Your license and/or plates will be suspended again
- Only your registration sticker is cancelled
- You must retake the written test only
Show answer
Correct answer: Your license and/or plates will be suspended again
If you do not keep insurance for the three years, your driver license and/or vehicle license plates will be suspended again.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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You are at fault in an accident and do not pay for the damages you caused. For how long will your driver license and/or vehicle license plates be suspended?
- 30 days
- 90 days
- Three years
- One year
Show answer
Correct answer: One year
Failing to pay for damages you caused in an at-fault accident results in a one-year suspension of your license and/or plates.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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During a one-year suspension for not paying for damages, what proof must be sent to the Driver License Bureau to be reinstated?
- Proof that you have settled the damages
- Proof that you completed a driver improvement course
- Proof that your vehicle passed a safety inspection
- Proof that you hold a commercial license
Show answer
Correct answer: Proof that you have settled the damages
To be reinstated during the one-year period you must pay a fee and send proof that you have settled the damages.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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Within how many days does state law require an accident report to be filed with the Department?
- 10 days
- 60 days
- 90 days
- 30 days
Show answer
Correct answer: 30 days
State law requires the accident report to be filed within 30 days.
Source: Missouri Driver Guide (Revised August 2026), page 81 · Open this page in the manual (Manual page 81)
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One condition for a required accident report is damage to a person’s property in excess of what amount (or personal injury or death)?
- $500
- $250
- $1,000
- $2,500
Show answer
Correct answer: $500
A report is required when there is property damage in excess of $500, or personal injury or death, along with the other stated conditions.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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A qualifying accident happened in a parking lot and the drivers made a settlement. What must you do?
- Nothing, because a settlement ends the duty to report
- Report it only to your insurance company
- Report the accident to the Driver License Bureau
- Report it only if a law enforcement officer was called
Show answer
Correct answer: Report the accident to the Driver License Bureau
Even if the accident happened in a parking lot, or a settlement is made, a qualifying accident must be reported to the Driver License Bureau.
Source: Missouri Driver Guide (Revised August 2026), page 81 · Open this page in the manual (Manual page 81)
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An accident caused no more than $500 in property damage, injury, or death, but an uninsured motorist was involved. What may you do?
- Nothing, because no report of any kind is allowed
- File an accident report anyway
- Ask the other driver to file it for you only
- Wait one year before you may file a report
Show answer
Correct answer: File an accident report anyway
You may still file an accident report if an uninsured motorist was involved, even when a report is not required.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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When you report an accident involving an uninsured motorist, what is the Department able to do?
- Collect the cost of the damage from the uninsured motorist for you
- Suspend the license of the driver who filed the report
- Pay for the property damage from a state fund
- Take action against the uninsured motorist for not maintaining insurance
Show answer
Correct answer: Take action against the uninsured motorist for not maintaining insurance
The Department will only be able to take action against the uninsured motorist for not maintaining insurance.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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Where may you obtain a Motor Vehicle Accident Report (Form 1140)?
- Only from the Highway Patrol
- Only from the county clerk
- From any license office
- Only from the State Treasurer
Show answer
Correct answer: From any license office
The form is available from the Department’s website, your insurance company or agent, or any license office.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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After you fill out the accident report, how may you send it to the Department?
- Only in person at a license office
- By mail or by fax
- Only by telephone
- Only through your insurance agent
Show answer
Correct answer: By mail or by fax
After filling out the accident report you may mail or fax it to the Department.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)