Key Takeaways
- The Missouri Department of Commerce and Insurance (DCI) regulates all insurance activities
- The Director of Insurance is APPOINTED by the Governor with Senate confirmation
- Missouri does NOT require pre-license education for insurance licenses
- Insurance law is found in Missouri Revised Statutes Chapter 374-385
- The DCI handles licensing, rate review, consumer protection, and market conduct
Last updated: January 2026
Missouri Department of Commerce and Insurance
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The Missouri Department of Commerce and Insurance (DCI) is the state agency responsible for regulating the insurance industry in Missouri.
The Director of Insurance
The Missouri Director of Insurance is:
| Detail | Information |
|---|---|
| Selection Method | APPOINTED by Governor with Senate confirmation |
| Reports To | Governor |
| Agency | Department of Commerce and Insurance (DCI) |
Exam Tip: Remember that Missouri's Director of Insurance is APPOINTED by the Governor with confirmation by the Missouri Senate. Missouri is NOT one of the 11 states that elects its insurance regulator.
Department of Commerce and Insurance (DCI)
The DCI is responsible for:
- Licensing insurance producers, adjusters, and companies
- Regulating insurance rates and forms
- Protecting consumers and handling complaints
- Conducting market conduct examinations
- Enforcing insurance laws and regulations
- Monitoring insurer solvency
DCI Functions
| Function | Description |
|---|---|
| Licensing | Issues and renews producer licenses |
| Rate Review | Reviews and approves insurance rates |
| Consumer Services | Handles complaints and inquiries |
| Examinations | Conducts market conduct exams |
| Enforcement | Investigates violations |
Missouri Insurance Code
Missouri insurance law is found in Missouri Revised Statutes Chapters 374-385:
Key Chapters
| Chapter | Subject |
|---|---|
| Chapter 374 | Department of Commerce and Insurance |
| Chapter 375 | Insurance Companies and Associations |
| Chapter 376 | Life, Health and Accident Insurance |
| Chapter 379 | Property and Casualty Insurance |
| Chapter 381 | Producer Licensing |
Contact Information
- DCI Main Phone: (573) 751-4126
- Consumer Hotline: (800) 726-7390
- Licensing Division: (573) 751-4126
- Website: insurance.mo.gov
- Address: 301 W. High Street, Room 530, Jefferson City, MO 65101
- Email: insurance@insurance.mo.gov
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Test Your Knowledge
How is the Missouri Director of Insurance selected?
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Test Your Knowledge
Which Missouri Revised Statutes chapter covers producer licensing?
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Test Your Knowledge
Which agency regulates insurance in Missouri?
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D