How Long Does An Accident Stay On Your Insurance In Missouri?

In Missouri, factors that affect how long an accident stays on your insurance include:

1. Severity of the Accident – Serious accidents, especially those involving injuries, may impact your rates longer than minor ones.
2. Fault Determination – At-fault accidents typically stay on your record longer and have a greater impact on premiums.
3. Insurance Company Policies – Some insurers consider accidents for three years, while others may look back five years or more.
4. Claim Amount – Higher claim costs can lead to longer-lasting rate increases.
5. Driving History – Multiple accidents or violations can extend how long insurers consider past incidents when setting rates.
6. Missouri State Regulations – While accidents generally stay on your record for 3-5 years, Missouri law and insurer practices may vary.

In Missouri, the license point system affects both driving privileges and insurance rates. The Missouri Department of Revenue (DOR) assigns points for traffic violations, and excessive points can lead to license suspension:

• 4 points in 12 months – You’ll receive a warning letter from the DOR.
• 8 points in 18 months – Your license may be suspended:
  • 1st suspension – 30 days
  • 2nd suspension – 60 days
  • 3rd suspension (or more) – 90 days

For insurance, accumulating points can lead to higher premiums, as insurers use driving records to assess risk. More points often mean higher insurance costs, and some insurers may even deny coverage if a driver has excessive points. Points typically remain on your record for three years, but serious violations (like DUIs) can impact insurance rates for longer.

• Speeding: 3 points
• Careless and imprudent driving: 4 points
• Driving without a valid license: 2 points
• DUI: 8 points