That said, the legal car insurance minimums do vary from state to state. But usually, if you pay for at least the minimum insurance coverage in your home state and are injured in an accident in another state, you will likely be treated as though you had the legal, appropriate minimum insurance coverage for the state where the accident took place.
There are also currently 18 states that are “no-fault” states, which are different from “tort” states like Missouri. No-fault car insurance coverage means that no matter who causes the car accident, each driver’s individual insurance company is responsible for paying for the damages their customers suffered. In tort states, it’s the insurance company of the driver who is found at fault and pays for damages for the victim.