Driving without Missouri’s minimum liability coverage can be a costly affair. If it’s your first offense, you’ll have to pay a $20 reinstatement fee, and your driving privileges will be suspended until you prove that you have bought adequate coverage. If you are caught the second time driving without a valid MO car insurance within 2 years of your first conviction, you will lose your driving privileges for 90 days. You’ll have to obtain insurance and pay a fee of $200 to reinstate them. A second offense can also lead to a fine of up to $500 and/or jail time of 15 days.