Missouri: Insurance and vehicle papers — Part 3 Practice Test
Questions in this part include: “Which document can you bring in place of the renewal notice when you renew your registration?” · “When proof of insurance is listed as a copy of an insurance binder, what is a binder?”
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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 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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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)