Missouri requires all private passenger automobile insurance policies to cover a specific car and these drivers:

• The person named in the policy.
• The spouse or any other family member living in the same household.
• Any other person who has permission to drive the car.

Personal auto insurance policies can specifically exclude named drivers from coverage including family members who live in the home. Some policies may only provide the minimum liability limits (25/50/25) for other drivers not in your household, who drive your car, even when your limits are higher.