Missouri’s motorcycle helmet law has been a subject of debate since it was changed in 2020, allowing some riders to forgo helmets under specific conditions. While the law aimed to provide more personal freedom, a rise in motorcycle-related fatalities has raised serious safety concerns.
Who Is Required to Wear a Helmet in Missouri?
As of 2025, Missouri’s helmet law applies differently based on age and insurance coverage:
- Riders Under 26: Required to wear a helmet at all times while operating or riding on a motorcycle.
- Riders 26 and Older: Allowed to ride without a helmet if they have health insurance or another form of medical benefits coverage for motorcycle-related injuries.
Increase in Fatalities Since the Law Change
Missouri has seen a 47% increase in motorcycle-related fatalities since the law was modified. In 2023, the state recorded 174 motorcycle deaths, with only 44% of those riders wearing helmets.
Why Helmets Still Matter for Rider Safety
While the law allows some riders to go without a helmet, experts strongly recommend using one. According to the Insurance Institute for Highway Safety (IIHS):
- Wearing a helmet reduces the risk of death by 37%.
- Helmets lower the risk of traumatic brain injuries in crashes.
Despite the law allowing personal choice, helmets remain a critical safety measure for all motorcyclists.
Legal and Insurance Risks of Riding Without a Helmet
Missouri’s comparative negligence law could impact riders who choose to go without a helmet in the event of an accident.
- Insurance companies may argue that a rider’s injuries were worsened by not wearing a helmet, potentially reducing compensation in personal injury claims.
- Legal battles over fault and liability could make it harder for riders to receive full coverage for medical bills and damages.
Final Thoughts
Missouri’s decision to ease helmet restrictions reflects a shift toward personal freedom, but the increase in fatalities highlights serious safety concerns. While riders over 26 can legally ride without a helmet, the risks to life, health, and insurance claims make helmet use a smart and responsible choice.
Stay updated on Missouri motorcycle laws and road safety tips by visiting our website.
Disclaimer: Our team has meticulously fact-checked this article to ensure accuracy and eliminate any misinformation. We are committed to providing honest, reliable, and trustworthy content for our readers.
