SR-22 Insurance in Missouri: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 coverage in Missouri is $109 per month for a liability-only policy and $213 for full coverage.
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Quick Facts
An SR-22 certificate is a proof-of-insurance form, not insurance itself.
The average cost of insurance for Missouri drivers with an SR-22 is $161 per month.
Missouri drivers with suspended licenses for DWI convictions, failing to pay at-fault damages, or failing to maintain or provide proof of liability insurance may need an SR-22.
SR-22 requirements in Missouri
An SR-22 form is a certificate of financial responsibility. It shows you meet Missouri’s minimum car insurance requirements: $25,000 for bodily injury per person and $50,000 per accident, $25,000 for property damage per accident, plus $25,000 in bodily injury per person and $50,000 per accident in uninsured motorist coverage.[1]
If you lose your Missouri driver’s license due to a traffic citation or an insurance issue, Missouri law requires an SR-22 to reinstate your driving privileges. The cost to file an SR-22 certificate of insurance is $20, plus any reinstatement fees you may owe.[2]
Missouri requires drivers to maintain insurance and carry proof of insurance coverage, including SR-22 forms. Failure to do so can result in additional fines for a new SR-22 certificate and reinstatement fees.
SR-22 Insurance | Missouri Requirement |
|---|---|
| Minimum liability limit | 25/50/25 |
| Minimum uninsured motorist coverage liability limit | 25/50 |
| Filing fee | $20 |
| Duration |
|
| SR-22 form specifically needed for proof of insurance verification | Reinstatement for any suspension in which involved an accident |
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Liability policies average $109/mo. for drivers with an SR-22
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How much is SR-22 insurance in Missouri?
Liability-only insurance with an SR-22 in Missouri averages $109 per month, while full-coverage policies average $213. Drivers with clean records only pay $92 and $180 per month, respectively.
While SR-22s demonstrate that a high-risk driver has the appropriate amount of insurance, the insurance company issuing the policy will usually increase premiums to safeguard itself in the event of a future incident.
Factors that influence SR-22 insurance rates include:
The policyholder’s driving record
The insurance company’s method for underwriting high-risk policies
The severity of the violation
The table below shows the average monthly costs for Missouri drivers with a clean driving record versus drivers with an SR-22, according to Insurify data.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $92 | $180 |
| With SR-22 | $109 | $213 |
Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Missouri
USAA offers the cheapest SR-22 insurance in Missouri, at $46 per month for liability-only coverage.
To find cheap car insurance with an SR-22 in Missouri, compare insurance quotes from multiple insurance companies in the table below.
The below rates in Missouri are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $55 | $106 |
| State Farm | $65 | $125 |
| Progressive | $71 | $100 |
| Safeco | $84 | $147 |
| National General | $88 | $165 |
| Clearcover | $89 | $205 |
| Allstate | $95 | $164 |
| GEICO | $95 | $186 |
| Direct Auto | $97 | $184 |
| Root | $97 | $178 |
| The General | $106 | $305 |
| Bristol West | $107 | $248 |
| American Family | $110 | $211 |
| Dairyland | $114 | $346 |
| GAINSCO | $116 | $275 |
| Liberty Mutual | $125 | $217 |
| Shelter | $145 | $280 |
| Auto-Owners | $159 | $308 |
| Travelers | $161 | $309 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Missouri?
In Missouri, a court order will require an SR-22 certificate, typically after a driver has broken a law regarding their insurance policy, received a serious violation like drinking and driving, or if the state has suspended their license.[3]
The court may require an SR-22 filing for other violations, along with other fees, penalties, and requirements such as completing a defensive driving course or substance awareness traffic offenders program.
How to get SR-22 insurance in Missouri
Follow these steps to get and maintain an SR-22 insurance policy in Missouri:
Understand why you need SR-22 insurance instead of a different proof of insurance certificate. Many suspensions and violations require the driver to provide proof of insurance, but not necessarily an SR-22. The SR-22 filing provides proof of liability insurance for violations or suspensions that involved an accident.
Identify insurance companies that file SR-22s in Missouri. Many Missouri insurance companies can file SR-22 forms. Some may choose not to in specific states or for certain drivers. If your current insurer doesn’t offer SR-22 filings, you’ll need to find one that does.
Pay the SR-22 filing fee and confirm your insurance company has filed it with Missouri’s driver’s license bureau. Your insurance company should file the SR-22 electronically. If you must file it, you can fax the SR-22 form to 1 (573) 522-6062.
Pay any additional suspension-related fees to the Missouri Department of Revenue. You can’t pay your reinstatement fee at any DMV, only at the Missouri Department of Revenue central office or on its website.
Verify that your SR-22 insurance is still valid during each policy renewal period. An insurance company can deny your policy renewal, which is why it’s important to verify that you’ll still maintain the same coverage during the next policy term.
If your SR-22 insurance lapses or your insurer cancels it, immediately inform the state and restart the process. It’s illegal to drive without insurance, even for one day. Contact the Missouri Department of Revenue if your insurer cancels your policy or if your coverage lapses due to missed payments.
Tell your insurance company when your SR-22 period has concluded. You must keep an SR-22 on file with the Missouri Department of Revenue for a specific period of time. Once that time is complete, contact your insurance agency and ask them to have the SR-22 removed from the Missouri Department of Revenue’s files.
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How long does Missouri require SR-22 insurance?
Missouri requires SR-22 insurance for two to three years, depending on the type of license suspension you have. If the state Department of Revenue suspended your license for a motor vehicle accident judgment, you’ll need to keep an SR-22 on file for two years.
You’ll need to keep an SR-22 on file for three years if the state Department of Revenue suspended your license for false insurance or mandatory insurance.
People with driving under the influence (DUI) or driving while intoxicated (DWI) convictions may have trouble getting car insurance with an SR-22 requirement, since not every insurance company covers high-risk drivers. The Missouri Auto Insurance Plan may help these drivers obtain coverage.[4]
Missouri SR-22 insurance FAQs
Obtaining an SR-22 certificate in Missouri can feel overwhelming. Use the information below to better understand the process.
What is the SR-22 filing fee in Missouri?
The SR-22 filing fee in Missouri is $20. If paying online, you may incur a 2% convenience fee plus a $0.25 per-card transaction fee.
How long do you need SR-22 insurance in Missouri?
It depends. The length of your SR-22 insurance in Missouri depends on the reason the state suspended your license. Suspensions for false insurance or mandatory insurance convictions are three years; suspensions for motor vehicle accident judgment convictions are two years.
Can you get SR-22 insurance in Missouri with a suspended license?
Yes. You’ll likely need to get SR-22 insurance in Missouri if the state suspended your license due to a motor vehicle accident judgment, false insurance, or mandatory insurance conviction.
Can you get SR-22 insurance in Missouri if you don’t own a car?
Yes. You can get SR-22 insurance in Missouri if you don’t have a car, since an SR-22 is a certificate of financial responsibility that isn’t tied to a specific vehicle. High-risk drivers can also purchase a non-owner insurance policy linked to the driver, not a vehicle.
Sources
- Missouri Department of Revenue. "Insurance Information."
- Missouri Department of Revenue. "License Reinstatement Requirements."
- Missouri Department of Revenue. "Mandatory Insurance FAQs."
- AIPSO. "Missouri Automobile Insurance Plan."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- 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.
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Nick DaukInsurance Writer
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter