Cheap SR-22 Insurance in Missouri from $113

Missouri drivers with SR-22 car insurance pay $113 per month for liability coverage and $236 for full coverage, on average.

Emily Guy Birken
Emily Guy Birken
  • Ganadora del Premio Plutus

  • Más de 12 años escribiendo sobre seguros y finanzas personales

Emily es ampliamente reconocida como una experta en finanzas personales y autora de varios libros sobre finanzas personales. Es una invitada habitual en medios de comunicación nacionales y regionales.

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Katie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated December 19, 2024

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Cheapest recent rates in Missouri for drivers with an SR-22

Drivers in and around Missouri have found policies from Root, Travelers, USAA, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Missouri drivers with a suspended license due to reckless driving or another serious traffic violation may need to legally file an SR-22 form with the state in order to reinstate their driving privileges.

An SR-22 form, sometimes referred to as SR-22 insurance, is a document your insurance company files with the state as evidence that you carry the state’s minimum liability requirements for auto insurance.

Here’s what drivers in the Show Me State need to know about SR-22 car insurance, including how to compare quotes and coverage options.

Quick Facts
  • You’ll need to maintain your SR-22 in Missouri for either two or three years, depending on the traffic violation that led to your suspension.

  • The fee associated with reinstating a suspended license ranges from $20 to $400. The amount varies based on your driving or insurance violation.

  • Missouri drivers required to file an SR-22 form will typically pay more in insurance premiums than drivers with standard car insurance due to the violation that led to the insurance requirement.

Cheapest companies for SR-22 insurance in Missouri

Missouri drivers charged with traffic violations like driving while intoxicated (commonly known as a DWI or DUI) or reckless driving may have to file an SR-22 form to maintain their driver’s licenses. If you need an SR-22 policy, you’ll likely pay higher insurance premiums than a driver with a standard car insurance policy. Insurers typically consider you a high-risk driver if you need an SR-22 filing.

Your insurance payments with an SR-22 will depend on several factors, including your car insurance company, ZIP code, marital status, age, and other demographic information, as well as the severity of the incident or incidents that led to your SR-22 requirement.

To find the cheapest car insurance companies in Missouri, consider starting your search with the following top insurance companies offering SR-22 insurance.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
USAA$33$63
State Farm$40$75
Allstate$54$101
GEICO$60$110
American Family$68$127
Clearcover$81$166
Progressive$83$153
Shelter$90$167
Nationwide$96$178
Travelers$99$185
Auto-Owners$99$184
Direct Auto$106$208
Safeco$106$177
National General$112$231
Dairyland$138$427
Bristol West$143$378
GAINSCO$147$358
The General$151$352
AssuranceAmerica$162$508
Liberty Mutual$168$318
Foremost$180$390
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

What is SR-22 insurance in Missouri?

Insurance companies may refer to it as a type of insurance product, but an SR-22 insurance filing in Missouri is actually a certificate of financial responsibility. The Missouri Department of Motor Vehicles may suspend your driver’s license if you have a serious driving violation on your record.

The SR-22 filing acts as legal proof that you have adequate insurance coverage from an auto insurance company to meet the minimum requirements set by Missouri state law.

You only need to file an SR-22 form if you had your license suspended because of a driving violation. If you have a clean record with no history of driving or insurance violations, you won’t need to file an SR-22 in Missouri.[1]

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Difference between SR-22 and FR-44

FR-44 forms are another type of insurance certificate that offer proof of financial responsibility, but they differ from SR-22s in some important ways. Missouri doesn’t require FR-44 forms. The only two states that require drivers with suspended licenses to file FR-44 certificates are Florida and Virginia.

In Florida and Virginia, the FR-44 form is typically only for high-risk drivers who have committed serious traffic violations, such as driving under the influence, driving with a suspended license, or reckless driving that causes an accident with extensive property damage, serious injury, or death. Drivers who need to file an FR-44 legally need to carry more coverage than their state’s minimum auto insurance.

When you need SR-22 insurance

Missouri drivers only need to file an SR-22 form if the state suspends your license because of a driving or insurance violation. Missouri’s mandatory insurance law specifies the following reasons why a person may need SR-22 insurance:

  • Motor vehicle accident judgment: You may lose your driver’s license if you receive a judgment in court for failing to pay for the damages you’re responsible for following a motor vehicle accident.

  • Failure to file an accident report: If you were in a car accident with an uninsured driver, the Missouri DMV may require you to file an accident report. Failure to do so may result in a suspension of your license.

  • Failure to pay for damages: This situation applies to drivers found at fault in an accident who fail to pay the other party for property damage or personal injury they caused.

  • False insurance: Showing false insurance to a police officer or the Missouri Department of Revenue will result in license suspension.

  • Failure to show proof of insurance: Not showing proof of insurance to the Department of Revenue when requested, whether because you don’t have insurance or simply neglecting to provide the requested proof, will result in a suspended license.

  • Failure to maintain liability insurance: Allowing your required SR-22 insurance filing to lapse prior to the end of the three-year requirement will result in a resuspension of your license.

  • Alcohol and drug-related offenses: Drivers who receive a DWI or who refuse to submit to an alcohol or drug test will lose their driving privileges.[2] [3]

In all these cases, the driver must fulfill necessary reinstatement requirements with the Missouri Driver License Bureau, which includes providing proof of insurance. The most commonly used proof of insurance for reinstatement is an SR-22 filing.

How to get SR-22 insurance in Missouri

If you’re a Missouri driver with a suspended license because of a violation, your insurer will have to submit an SR-22 on your behalf to reinstate your driving privileges.

Here’s the step-by-step process in Missouri:

  • illustration card https://a.storyblok.com/f/162273/150x150/1daf58783c/contact-us-96x96-orange_023-customer-support.svg

    1. Inform your insurance company

    Unless you lost your license because you don’t have insurance, you’ll have to contact your insurer to let it know about the suspension. When you call your insurance agent or contact your insurance company, request an SR-22 and ask how it might affect your premiums. Unfortunately, traditional insurers may decide to drop your coverage or increase your premiums at renewal time.

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    2. Buy or update your car insurance policy

    If your current insurance company doesn’t offer SR-22 coverage or drops your coverage, you’ll need to find a new insurer. It’s a good idea to contact several companies and get a quote from each one. Just remember to tell the insurance companies that you need to file an SR-22 with the state.

  • illustration card https://a.storyblok.com/f/162273/150x150/d46e082159/banking-96x96-yellow_026-bank-check.svg

    3. Pay filing and reinstatement fees

    In addition to Missouri’s required reinstatement fees, your insurance company may also charge you a small fee to file your SR-22 paperwork. The Missouri reinstatement fee varies depending on why the state suspended your license and whether it’s your first, second, or third offense. Fees range from $20 to $400.[4]

  • illustration card https://a.storyblok.com/f/162273/100x100/4d03c561b5/declaration-page.svg

    4. Ask the insurance company to file the SR-22 on your behalf

    Your insurer will file the SR-22 paperwork with the Missouri Driver License Bureau.

  • illustration card https://a.storyblok.com/f/162273/150x150/1d8803fded/credit-and-loan-96x96-blue_019-calendar.svg

    5. Maintain your insurance

    Allowing your insurance to lapse while still under an SR-22 requirement in Missouri can result in the resuspension of your license.

How long Missouri requires SR-22 insurance 

Missouri drivers need to maintain an SR-22 filing for two or three years, depending on the specific violations that led to the suspension. The state requires drivers suspended due to a motor vehicle accident judgment to maintain an SR-22 for two years, but drivers suspended because of false insurance or failure to show proof of insurance have to maintain the filing for three years.

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How SR-22 insurance affects driving record and future rates in Missouri

Insurance companies will likely consider you a higher-risk driver if you have to file an SR-22, even after the SR-22 requirement expires. Because of this, having an SR-22 policy may increase your average premiums for the duration of your SR-22 period and beyond. After your SR-22 has expired, you’ll usually have to call your insurer and ask it to contact the state to remove the SR-22 from your record.

But even while you have an SR-22 on file, you can use several strategies to improve your driving record and potentially lower your insurance rates:

  • Make sure you have the minimum insurance coverage. Missouri drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage coverage. Maintaining this minimum coverage without any lapses for the duration of your SR-22 requirement will help keep your premiums from increasing further.[5]

  • Take a defensive driving course. Completing a defensive driving course can help you build safer driving habits, which may help improve your driving record and lower your future insurance costs.

  • Ask your insurer for discounts. Many insurance companies will lower your premium rates through discounts. Contact an insurance agent for additional information about how you can get the lowest rate for your situation.

Missouri SR-22 insurance FAQs

If you’re looking for affordable SR-22 insurance in Missouri, the following information can answer your remaining questions about this kind of coverage.

  • How do you know if you need an SR-22?

    Missouri only requires drivers with suspended licenses to file an SR-22 to reinstate their driving privileges. You can check on the status of your license by contacting the Missouri Department of Revenue at 1 (573) 526-2407. This department has an automated system available 24/7.

  • Are there any fees with SR-22 insurance?

    Yes. Missouri charges a reinstatement fee to any driver filing an SR-22 form and reinstating their driver’s license. The fees vary depending on the type of violation that led to the suspension. Fees may be as low as $20 or as high as $400.

  • How much do car insurance rates increase after filing an SR-22?

    Although most drivers see a rate increase after filing an SR-22, it’s impossible to predict how much rates may increase for any one driver with an SR-22. That’s because your specific rates depend on a number of factors, including what violation led to your suspension, your driving record, your location, and which insurance company you use.

  • How long do you have to hold an SR-22 in Missouri?

    If you’re suspended for a motor vehicle accident judgment in Missouri, you must hold an SR-22 for two years. But if you lose your license because of false insurance or failure to show proof of Insurance, you must maintain an SR-22 for three years.

  • How do you get rid of an SR-22 in Missouri?

    The SR-22 requirement expires after a set period of time, and you can’t use a shortcut to remove an SR-22 in Missouri. You must wait until the expiration date before you can direct your insurance company to request the removal of your SR-22 from your driving record.

  • What happens to your SR-22 in Missouri if you move?

    If you move away from the Show Me State before your SR-22 expires, the filing will follow you to your new home, even if the new state doesn’t have similar SR-22 requirements.

    When you relocate, you must update your insurance, driver’s license, and license plates in the new state. In some cases, you may need to purchase new insurance if your Missouri coverage won’t transfer to your new home. Just remember that the DMV in your new state will learn of your Missouri SR-22 and may make you carry the existing SR-22 until it expires.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Missouri Department of Revenue. "Mandatory Insurance FAQs."
  2. Missouri Department of Revenue. "Strengthening Missouri's DWI Laws."
  3. Missouri Department of Revenue. "Refusal to Submit to an Alcohol or Drug Test FAQs."
  4. Missouri Department of Revenue. "License Reinstatement Requirements."
  5. Missouri Department of Revenue. "Insurance Information."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Emily has been a contributor at Insurify since October 2022.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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