Do I Need a Vehicle Transfer on Death Designation in Missouri?
Missouri allows a transfer-on-death beneficiary designation on a vehicle titleMo. Rev. Stat. 301.681Verified Aug 25, 2026View source, filed through the Missouri Department of Revenue, Motor Vehicle Bureau using Form 108.
Yes. Missouri allows a certificate of ownership in beneficiary form (transfer on death) on a vehicle titleMo. Rev. Stat. 301.681Verified Aug 25, 2026View source. It passes the vehicle to the named beneficiary at death without probate.
Missouri allows a certificate of ownership in beneficiary form (transfer on death) on motor vehicle, trailer, manufactured home, vessel (watercraft), and outboard motorMo. Rev. Stat. 301.681Verified Aug 25, 2026View source.
Add the designation through the Missouri Department of Revenue, Motor Vehicle BureauMo. Rev. Stat. 301.681View source using Application for Missouri Title and License (Form 108)Mo. Rev. Stat. 301.681View source. Notarization is not requiredMo. Rev. Stat. 301.681View source. You file the completed designation with the Missouri Department of Revenue, Motor Vehicle Bureau by mail to Missouri Department of Revenue, Motor Vehicle Bureau, P.O. Box 100, Jefferson City, MO 65105-0100 or in person. Adding a vehicle TOD beneficiary is a titling transaction made via the Transfer on Death block on Form 108 (the title application): submit by mail to the Motor Vehicle Bureau in Jefferson City, or in person at a Missouri contract license office. There is no online path; the license plate renewal portal does not add or change TOD beneficiaries.
Yes. The designation can be changed or cancelled at any time during the owner's life; in Missouri: Sell or assign the certificate of ownership to another person; File an application to reissue the certificate of ownership with no beneficiary designation, or with the designation of a different beneficiary or beneficiaries, with the director of revenue. Missouri allows more than one beneficiaryMo. Rev. Stat. 301.681Verified Aug 25, 2026View source, who take the vehicle together with right of survivorship.
The beneficiary retitles the vehicle with the Missouri Department of Revenue, Motor Vehicle BureauMo. Rev. Stat. 301.681View source by submitting: Proof of death of the owner (or surviving owner); Surrender of the outstanding certificate of ownership; Application for Missouri Title and License (Form 108) and payment of the fee for an original certificate. The designation covers that vehicle alone; a revocable trust set up with SimplyTrust keeps the home, the accounts and everything else out of probate in one document.
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New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
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Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
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New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
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Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreForms for Planning Your Estate in Missouri
Free forms for planning your estate in Missouri: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Healthcare Power of Attorney
Missouri requires 2RSMo § 459.015 (optional living will form only)Verified Oct 15, 2026View source witnesses and notarizationRSMo § 459.015 (optional living will form only)Verified Oct 15, 2026View source for a healthcare power of attorney.
Financial Power of Attorney
Missouri requires explicit durability language for a power of attorney to survive incapacityRSMo §§ 404.700-404.735Verified Sep 18, 2026View source, and it is signed before a notaryRSMo §§ 404.700-404.735Verified Sep 18, 2026View source.
Transfer on Death Deed
In Missouri, a beneficiary deed is signed before a notaryRSMo 461.003 to 461.081Verified Oct 18, 2026View source, then recorded with the county before the owner's deathRSMo 461.003 to 461.081Verified Oct 18, 2026View source.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
Living Will
In Missouri, the living will is the DeclarationMo. Rev. Stat. ch. 459, §§ 459.010-459.055 (Declarations, Life Support) and § 459.250 (Advance Health Care Directives Registry)Verified Sep 27, 2026View source, a document of its own, apart from the healthcare power of attorney.
Last Will and Testament
In Missouri, a will is signed before 2RSMo § 474.320Verified Oct 18, 2026View source witnesses, and a self-proving affidavit signed with it lets the court admit it without witness testimonyRSMo § 474.320Verified Oct 18, 2026View source.
Tools for Planning Your Estate in Missouri
Free tools for planning your estate in Missouri: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
Do I Need a TOD Deed?
Missouri authorizes transfer on death deedsRSMo 461.003 to 461.081Verified Oct 17, 2026View source: a recorded, revocable deed that passes real property at death outside probate.
What Does Estate Planning Actually Cost?
An attorney-prepared revocable trust in Missouri runs $3,570Estimate: 10 hours at $357, Clio's Missouri Trusts rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source to $5,355Estimate: 15 hours at $357, Clio's Missouri Trusts rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source and a simple will $984Estimate: 3 hours at $328, Clio's Missouri Wills and Estates rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source to $1,968Estimate: 6 hours at $328, Clio's Missouri Wills and Estates rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source, against $0 to $549 up front plus a subscription with an online service.
How Much Life Insurance Do I Need?
In Missouri, four years at a public university cost about $82,516NCES Digest of Education Statistics 2023, Table 330.20, public 4-year in-state tuition, fees, room and board, academic year 2022-23Verified Oct 17, 2026View source and the cost of living is 9% below the U.S. averageBEA Regional Price Parities, all items, by state, 2024Verified Oct 17, 2026View source; no state estate or inheritance tax appliesMo. Rev. Stat. §§ 145.011, 145.1000; Mo. Dept. of Revenue, Estate Tax (no Missouri estate tax imposed; no return required for deaths on or after Jan. 1, 2005)Verified Sep 15, 2026View source.
Are My Beneficiary Designations Protected?
Missouri automatically revokes an ex-spouse as beneficiary at divorceMo. Rev. Stat. § 461.051Verified Sep 15, 2026View source; employer plans under ERISA follow federal rules either way, so a 401(k) beneficiary changes only by a new designation.
How Do I Sign Estate Documents?
Find witness, notary, and remote signing requirements for all 50 states.
Will My Estate Documents Transfer?
Check if estate planning documents signed in one state are valid in another.
How Much Does Probate Cost?
Probate on a $500,000 estate in Missouri costs an estimated $28,815RSMo § 473.153(3) (statutory minimum: 5% first $5K, 4% next $20K, 3% next $75K, 2.75% next $300K, 2.5% next $600K, 2% over $1M; where reasonable compensation exceeds the minimum the court shall allow additional compensation — extraordinary services not required). Per § 473.153(1) the base is personal property administered plus proceeds of court-ordered real property sales; unsold real property is excluded.Verified Sep 8, 2026View source. Attorney fees are statutory (set by law)RSMo § 473.153(3) (statutory minimum: 5% first $5K, 4% next $20K, 3% next $75K, 2.75% next $300K, 2.5% next $600K, 2% over $1M; where reasonable compensation exceeds the minimum the court shall allow additional compensation — extraordinary services not required). Per § 473.153(1) the base is personal property administered plus proceeds of court-ordered real property sales; unsold real property is excluded.Verified Sep 8, 2026View source.
Who Inherits Without a Will?
Without a will in Missouri, a surviving spouse takes the first $20,000 plus half of the restMo. Rev. Stat. § 474.010Verified Sep 10, 2026View source when every child of either spouse is a child of both, and descendants divide what passes to them per capita with representationMo. Rev. Stat. § 474.020Verified Sep 10, 2026View source.
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Missouri Estate Planning Resources
In-depth guides covering Missouri probate laws, trust requirements, and estate planning strategies.