Cheapest SR-22 Car Insurance in Missouri

Travelers provides Missouri's lowest SR-22 insurance at $944 for minimum coverage and $1,874 for full coverage. That minimum price is $1,727 under the statewide average of $2,671, positioning Travelers 55% below typical rates for drivers looking to minimize SR-22 costs.

Auto-Owners, the most expensive on our list, costs $1,826 for minimum coverage, still 11% below the state average but $882 more than Travelers. The nearly $900 difference underscores why shopping around matters for SR-22 insurance.

The table below highlights the five insurers with the most affordable SR-22 premiums in Missouri.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most frequently ranks as the category leader in Missouri. The least-expensive category is Drivers With Multiple Speeding Tickets, at $756 for minimum coverage SR-22 insurance with Farm Bureau, while the most expensive is Young Drivers With a Suspension, at $984 with Travelers. The difference underscores how age and suspension history can sharply increase premiums.

Exact pricing ultimately depends on your violation type and how long it remains on your driving record.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Lilbourn posts the cheapest minimum coverage SR-22 at $711 (Travelers), while Saint Louis averages $1,120 (Travelers). The $409 gap is about 58% higher in the city, tracking with metro-level crash frequency and repair costs.

Insurers rely on ZIP-code risk signals including traffic density, theft, and claim patterns to set Missouri's city-specific SR-22 rates.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Travelers is the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service, useful coverage options and the highest overall MoneyGeek score. However, you should also consider Progressive, Shelter Insurance, Auto-Owners and Farm Bureau in your search.

Missouri SR-22 car insurance costs an average of $2,339 per year for minimum coverage and $4,177 annually for full coverage policies. Missouri ranks 30th in affordability for minimum coverage and 31st for full coverage nationwide. Monthly rates can range from $91 to $1,069 based on individual driver profiles.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Columbia has Missouri's lowest SR-22 insurance rates at $132 per month, while Saint Louis residents pay the highest at $268 monthly. You can review costs for major cities across Missouri for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Missouri laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
  $50,000 personal injury liability per accident
  $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for two years. It can be extended to three years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Complying with Missouri's minimum coverage laws requires an SR-22, but drivers must also understand several other important insurance regulations.

In Missouri, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 2 to 10 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Missouri:

MoneyGeek analyzed hundreds of thousands of quotes across Missouri to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Missouri SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Missouri's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.