Missouri: Insurance and vehicle papers — Part 1 Practice Test
Questions in this part include: “Which of these failures can cost you your license?” · “What does a vehicle title prove?”
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Questions are original and based on the official manual "Missouri Driver Guide" (Revised August 2026), Missouri Department of Revenue.
All 19 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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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
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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
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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
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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
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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)