For most drivers in Missouri, Travelers offers the cheapest car insurance with a DUI with rates of $66 per month for minimum coverage and $132 yearly for full coverage. However, GEICO, Shelter and Kemper also have very affordable rates for those with a DUI conviction.
DUI Car Insurance in Missouri
Updated: July 13, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in Missouri is offered by Travelers at around $66 per month.
Depending on your driver profile and coverage level chosen, monthly car insurance costs with a DUI can average at $105 per month for minimum coverage and $216 for full coverage.
After a DUI in Missouri, you must file an SR‑22 and carry $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage liability coverage and underinsured/uninsured motorist coverage of $50,000 per person and $100,000 per accident. Personal injury protection (PIP) is not required.
Cheapest DUI Car Insurance in Missouri
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Missouri
While the information above covers most drivers, it doesn't represent everyone with a DUI in Missouri. Below, we've broken down the cheapest companies for those with DUIs by coverage level, age and credit score so you can find the rates that are best for your profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Travelers | $66 | $797 |
| GEICO | $70 | $845 |
| Shelter | $79 | $953 |
| Kemper | $80 | $962 |
| AAA | $133 | $1,593 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Missouri law for most drivers.
How Much Does DUI Car Insurance Cost in Missouri?
For most drivers, car insurance with a DUI in Missouri costs $1,256 per year for minimum coverage. However, depending on your unique driver profile and coverage level chosen, the yearly costs can vary significantly. Compared to clean drivers without a DUI, those with the driving violation can increase rates by around 57%.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $105 | $1,256 | $38 | $455 | 57% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Missouri law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN MISSOURI?
In Missouri, a DWI (Driving While Intoxicated) conviction stays on your driving record for 10 years, during which your insurance is likely to increase significantly. Numerous insurers use this 10-year look-back, and some may even consider it for longer when assessing risk. You must carry an SR‑22 certificate and proof of financial responsibility for two to three years from the start of your suspension. The DUI’s impact on your insurance premiums can last the full 10 years.
Additional Costs to Consider When Having a DUI in Missouri
While your car insurance premiums will increase after a DUI, there are several additional expenses you’ll likely face. Planning ahead is key, so you’re not caught off guard.
- Fines and fees. Missouri classifies a first-time DWI as a misdemeanor with fines up to $1,000, though higher BAC levels or repeat offenses, especially three or more DWIs, can involve felony charges carrying far steeper fines and penalties. You'll also be responsible for court costs and potentially probation service charges.
- Towing and impound fees. After a DUI arrest, law enforcement may tow and impound your vehicle. Depending on the county, towing typically costs $250 to $450, with storage fees ranging from $10 to $25 per day until you retrieve your vehicle.
- Education and treatment. Missouri requires completion of the Substance Awareness Traffic Offender Program (SATOP), which starts with a screening fee (about $126 plus a $249 supplemental fee) and requires enrollment in one of several programs. A basic 10-hour offender education program usually costs around $200; a weekend or clinical intervention program can run from $467 to approximately $1,067.
- DMV reinstatement fee. Once your license suspension period ends, Missouri’s Driver License Bureau charges a reinstatement fee of $45, and you must maintain an SR‑22 insurance certificate for two years. If you refuse to take a BAC test, you must complete SATOP and possibly install an ignition interlock device before reinstatement.
- Attorney fees and accident costs. If you hire a lawyer to navigate your DUI case, expect to pay around $2,000 to $5,000 for a first-time offense. If the DUI resulted in a crash, you will also be liable for vehicle repairs, medical bills, restitution, and possibly increased probation fees, potentially adding several thousand more to your total cost.
Missouri DUI Car Insurance Requirements
After a DUI in Missouri, drivers must file an SR-22 to prove financial responsibility. The state’s minimum liability coverage includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage and underinsured/uninsured motorist coverage of $50,000 per person and $100,000 per accident. SR-22 coverage must be maintained for at least two years, though certain violations may require it for up to three. Any lapse in coverage can result in license suspension or a restart of the filing period.
Other Missouri DUI Laws to Know
In addition to SR‑22 filing and insurance requirements, Missouri enforces strict penalties covering fines, jail time, impoundment, license action, and mandatory education for DUI offenses.
Fines
A first-time DWI in Missouri is classified as a Class B misdemeanor, carrying up to a $1,000 fine. A second offense within five years is a Class A misdemeanor with fines up to $2,000, while a third offense becomes a felony punishable by up to $10,000. If a child under 17 is in the vehicle, even a first DWI is elevated to a felony charge.
Imprisonment and release
First-time offenders may serve up to six months in jail, but probation is common. A second DWI requires at least 10 days behind bars and a maximum one year, while a third offense can lead to four years in prison. BAC levels over 0.15% or 0.20% trigger mandatory minimum jail terms — 48 hours for 0.15 to 0.19% and five days for 0.20% or higher.
Impounding of vehicles
Missouri law allows law enforcement to impound vehicles after a DWI arrest. While state law does not specify the length of impoundment, many counties charge towing fees of $250 to $450 and storage fees from $10 to $25 per day.
Suspension periods
An administrative license suspension (ALS) automatically applies if you fail or refuse a BAC test. First-time charges without refusal result in 90 days off, while refusals trigger a one-year suspension. A second DWI within five years leads to a five-year license revocation, and a third offense brings a ten-year revocation.
DUI education requirements
Convicted individuals must complete the Substance Awareness Traffic Offender Program (SATOP). First-time offenders attend a 10‑hour education session, while repeat offenders undergo weekend or clinical intervention programs. Ignition interlock devices may be required before reinstatement.
How to Get the Best Cheap Missouri Car Insurance With a DUI
Below are helpful tips for securing the most affordable car insurance in Missouri after a DUI, and guidance on what to do if traditional insurers deny your application.
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Understand your needs
After a DUI conviction, your state-required liability coverage jumps significantly, but you may also want to consider comprehensive, collision, or uninsured motorist coverage. Consider your income, driving frequency, and living area to determine which add-ons make sense. We also provide an auto insurance coverage needs calculator to help you get started.
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Research costs and discounts
Before requesting quotes, study the average premiums for Missouri drivers with a DUI. While discounts specifically for DUI drivers don’t exist, you can still save by requesting quotes online and signing up early. In Missouri, completing a state-approved defensive driving course can earn you premium discounts of up to 10%.
- 3
Compare multiple providers
Starting with a list of budget-friendly insurers is useful; get quotes from several companies. Be sure each quote reflects the same coverages.
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Use state high-risk car insurance programs if denied
If major insurers refuse to offer you a policy, the Missouri Automobile Insurance Plan accepts applicants who at least two private insurers have rejected in the past 60 days. This plan guarantees you access to the state-mandated minimum coverage.
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Make lifestyle or vehicle changes
Improving your credit score can substantially lower your premiums. Missouri drivers with poor credit and a DUI may pay around $1,399 more annually than those with good credit. Choosing a more affordable, used vehicle can also significantly reduce insurance costs.
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Consider non-traditional coverage types
If you drive less than 7,000 miles per year, a pay-per-mile insurance plan could offer substantial savings. Usage-based insurance, which rewards safe driving behavior, might reduce your premiums by up to 40%, and manufacturer-affiliated insurance programs are also worth investigating for competitive rates.
Cheap DUI Insurance in Missouri: Bottom Line
Overall, we found the cheapest overall car insurance providers for Missouri drivers with a DUI are Travelers, GEICO and Shelter. We recommend that you compare rates for yourself, research costs, and decide what coverage you need beforehand so you find the best deal.
DUI Insurance in Missouri: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about Missouri DUI insurance.
Who has the cheapest car insurance for Missouri drivers with a DUI?
For those with a DUI, Travelers offers the cheapest overall rates in Missouri for minimum and full coverage.
How much does a DUI increase rates in Missouri?
Overall a DUI can increase your rates up to 57% for minimum coverage and 51% for full coverage compared to those without a DUI.
How much does DUI car insurance in Missouri cost?
For minimum coverage average rates range around $105 monthly and for full coverage it is approximately $216 per month.
How We Chose the Cheapest Car Insurance for Missouri's DUI Drivers
To determine the top companies for drivers with DUIs in Missouri, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AIPSO. "Missouri Automobile Insurance Plan." Accessed June 24, 2025.