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: November 9, 2026
Advertising & Editorial Disclosure
Key Takeaways
In total, the cheapest car insurance in Missouri with a DUI 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. A DUI leads to steep price increases, which makes it important to shop around for affordable rates for high-risk drivers.
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:
30-59
Good
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?
Car insurance with a DUI costs most Missouri drivers $1,256 a year for minimum coverage. Your own driver profile and coverage level can push that figure much higher or lower. On average, a DUI raises rates about 57% compared with a clean record.
Data filtered by:
30-59
Good
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?
A DUI can raise your Missouri insurance rates for up to 10 years. A DWI (driving while intoxicated) conviction stays on your driving record for that long, and many insurers look back the full 10 years when they price your policy. Some count it for even longer. You need an SR-22 certificate and proof of financial responsibility for two to three years from the start of your suspension, but higher premiums can outlast that requirement.
Additional Costs to Consider When Having a DUI in Missouri
A DUI in Missouri brings several costs on top of higher insurance premiums. Budget for these ahead of time so none of them surprise you:
- Fines and fees. A first-time DWI in Missouri is a misdemeanor with fines up to $1,000. A high BAC or repeat offenses, especially three or more DWIs, can lead to felony charges with much steeper fines and penalties. You'll also owe court costs and may owe probation service charges.
- Towing and impound fees. Police may tow and impound your car after a DUI arrest. Towing usually costs $250 to $450, based on your county, and storage adds $10 to $25 a day until you pick up your car.
- Education and treatment. Missouri requires you to complete the Substance Awareness Traffic Offender Program (SATOP). It starts with a screening that costs about $126, plus a $249 supplemental fee, and then you enroll in one of several programs. The basic 10-hour offender education program usually costs about $200. Weekend or clinical intervention programs cost $467 to about $1,067.
- DMV reinstatement fee. When your suspension ends, Missouri's Driver License Bureau charges $45 to reinstate your license, and you need to keep an SR-22 insurance certificate for two years. If you refused a BAC test, you must finish SATOP and may need an ignition interlock device before reinstatement.
- Attorney fees and accident costs. A lawyer for a first-time DUI case usually charges $2,000 to $5,000. If your DUI involved a crash, you're also liable for vehicle repairs, medical bills, restitution and possibly higher probation fees, which can add several thousand dollars more.
Missouri DUI Car Insurance Requirements
Missouri requires an SR-22 after a DUI as proof of financial responsibility. The state's minimum liability coverage is $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. You also need uninsured/underinsured motorist coverage of $50,000 per person and $100,000 per accident. Keep your SR-22 coverage active for at least two years, and up to three for certain violations. A lapse in coverage can lead to a license suspension or restart your filing period.
Other Missouri DUI Laws to Know
Beyond SR-22 and insurance rules, Missouri has strict DUI penalties, including fines, jail time, impoundment, license action and required education.
FinesA first DWI in Missouri is a Class B misdemeanor with a fine of up to $1,000. A second offense within five years is a Class A misdemeanor, with fines up to $2,000. A third offense is a felony, with fines up to $10,000. With a child under 17 in the vehicle, even a first DWI becomes a felony.
Imprisonment and releaseA first offense can mean up to six months in jail, though probation is common. A second DWI brings at least 10 days and up to one year in jail, and a third can mean four years in prison. A high BAC adds a mandatory minimum jail term: 48 hours for 0.15% to 0.19% and five days for 0.20% or higher.
- Impounding of vehicles
Police in Missouri can impound your car after a DWI arrest. State law sets no limit on how long, and many counties charge $250 to $450 to tow it and $10 to $25 a day to store it.
Suspension periodsIf you fail or refuse a BAC test, an administrative license suspension (ALS) applies automatically. A first charge without a refusal means a 90-day suspension, and a refusal means one year. A second DWI within five years brings a five-year revocation, and a third brings a 10-year revocation.
DUI education requirementsAnyone convicted must complete SATOP. First-time offenders take a 10-hour education program, and repeat offenders go through weekend or clinical intervention programs. You may also need an ignition interlock device before your license is reinstated.
How to Get the Best Cheap Missouri Car Insurance With a DUI
To find the cheapest Missouri car insurance after a DUI, choose your coverage carefully, compare insurers and use the state's high-risk plan if regular insurers turn you down. These six steps cover each option:
- 1Understand your needs
A DUI conviction raises the price of the liability coverage Missouri requires. You may also want comprehensive, collision or uninsured motorist coverage on top of it. Your income, how often you drive and where you live decide which add-ons make sense. MoneyGeek's auto insurance coverage needs calculator can help you start.
- 2Research costs and discounts
Look up average premiums for Missouri drivers with a DUI before you ask for quotes. No insurer gives a discount for having a DUI, but you can still save by getting quotes online and signing up early. A state-approved defensive driving course can also cut your Missouri premium by up to 10%.
- 3Compare multiple providers
Make a list of budget-friendly insurers and get quotes from several of them. Each quote should include the same coverage, so you're comparing like with like.
- 4Use state high-risk car insurance programs if denied
If major insurers turn you down, the Missouri Automobile Insurance Plan can cover you. It accepts drivers whom at least two private insurers have rejected in the past 60 days, and it guarantees you can buy Missouri's minimum coverage.
- 5Make lifestyle or vehicle changes
Improving your credit score can lower your premium by a lot. With a DUI and poor credit, Missouri drivers may pay about $1,399 a year more than drivers with good credit. A more affordable, used vehicle also costs much less to insure.
- 6Consider non-traditional coverage types
A pay-per-mile insurance plan can save you a lot if you put fewer than 7,000 miles a year on your car. Usage-based insurance rewards safe driving and may cut your premium by up to 40%. Insurance sold by carmakers can also have 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.
For those with a DUI, Travelers offers the cheapest overall rates in Missouri for minimum and full coverage.
Overall a DUI can increase your rates up to 57% for minimum coverage and 51% for full coverage compared to those without a DUI.
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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- AIPSO. "Missouri Automobile Insurance Plan." Accessed June 24, 2025.