Travelers offers the cheapest SR-22 insurance in Missouri at $79 monthly for minimum coverage and $156 for full coverage, 55% lower than the state's average overall. However, this only represents 40-year-old drivers with a DUI on record, and Farm Bureau, Shelter Insurance, GEICO and Progressive may offer more affordable rates for your profile.
Cheapest SR-22 Car Insurance in Missouri
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers provides the cheapest rates for SR-22 insurance in Missouri, with premiums averaging $79 per month or $944 per year for minimum coverage.
For Missouri drivers needing SR-22 filing, Missouri car insurance costs average $195 monthly for minimum coverage and $348 per month for full coverage.
Missouri requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Missouri
| Travelers | $79 | $156 | -55% |
| Farm Bureau | $81 | $191 | -48% |
| Shelter Insurance | $93 | $194 | -45% |
| GEICO | $105 | $222 | -37% |
| Progressive | $126 | $248 | -28% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Missouri by Category
Travelers is the clear leader for SR-22 coverage in Missouri, winning five out of seven categories we analyzed. Farm Bureau offers the most affordable rates for drivers with multiple speeding tickets, while Shelter Insurance provides the best rates for senior drivers needing SR-22 coverage.
| Most Drivers Needing a SR-22 | Travelers | $79 | $156 |
| Young Drivers With a Suspension | Travelers | $82 | $169 |
| Senior Drivers With a Suspension | Shelter Insurance | $81 | $170 |
| Drivers With Multiple Speeding Tickets | Farm Bureau | $63 | $153 |
| Drivers With Racing Violation | Travelers | $77 | $153 |
| Drivers With Hit-And-Run Accident | Travelers | $78 | $155 |
| Drivers With Other Violations | Travelers | $69 | $138 |
* 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.
Cheapest Personalized SR-22 Car Insurance in Missouri
Insurance rates vary based on your personal profile. While we found the cheapest providers overall, your best rates depend on your age, gender, coverage needs, credit score and driving record. The table below shows the five most affordable insurance providers based on these factors.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Travelers | $241 | $2,897 | -61% |
| GEICO | $316 | $3,786 | -49% |
| Kemper | $382 | $4,582 | -39% |
| Nationwide | $440 | $5,285 | -29% |
| Allstate | $475 | $5,700 | -24% |
Cheapest SR-22 Car Insurance in Missouri by City
Travelers offers the most affordable SR-22 car insurance across Missouri, with rates starting at $59 monthly in Lilbourn. Review its rates for major cities in Missouri below.
| Blue Springs | Farm Bureau | $67 |
| Branson | Farm Bureau | $63 |
| Columbia | Travelers | $64 |
| Independence | Travelers | $79 |
| Kansas City | Travelers | $83 |
| Lilbourn | Travelers | $59 |
| Morrisville | Travelers | $70 |
| Saint Louis | Travelers | $93 |
| Springfield | Travelers | $80 |
| Wentzville | Travelers | $78 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Missouri
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.
| Travelers | 4.85 | 1 | 2 | 5 |
| Progressive | 4.75 | 5 | 3 | 2 |
| Shelter Insurance | 4.69 | 3 | 9 | 3 |
| Auto-Owners | 4.68 | 8 | 1 | 6 |
| Farm Bureau | 4.63 | 2 | 4 | 8 |
Travelers
Best Overall for SR-22 Insurance in Missouri
5/5Affordability
4.6/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$156For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$79For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Missouri?
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.
| Minimum Coverage | $195 | $2,339 | 11% |
| Full Coverage | $348 | $4,177 | 5% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Missouri City
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.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Blue Springs | $158 | $1,894 |
| Branson | $140 | $1,679 |
| Columbia | $132 | $1,585 |
| Independence | $182 | $2,189 |
| Kansas City | $183 | $2,193 |
| Lilbourn | $146 | $1,747 |
| Morrisville | $142 | $1,709 |
| Saint Louis | $268 | $3,212 |
| Springfield | $164 | $1,964 |
| Wentzville | $160 | $1,925 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Missouri SR-22 Insurance Requirements
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.
TYPES OF SR-22 FILINGS
Missouri offers an SR-22 Operators-Owner Certificate for drivers who need comprehensive coverage for both scenarios. This combined filing serves as a joint policy that provides protection whether you're driving your own car or someone else's vehicle, eliminating the need to maintain separate policies.
Other Missouri SR-22 Insurance Laws and Regulations
Complying with Missouri's minimum coverage laws requires an SR-22, but drivers must also understand several other important insurance regulations.
- First offense: requires two years of SR-22 coverage
- Second offense within five years: leads to a five-year license suspension with continued SR-22 requirement
- Third offense within five years: results in a 10-year suspension with ongoing SR-22 requirement
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Missouri range from $25 to $50, while license reinstatement fees range from $20 to $400, based on the violation type. Missouri offers payment plans for fees exceeding $50, making costs more manageable for drivers.
Insurance Coverage Lapses
Your insurance company must notify the Missouri Department of Revenue immediately if your SR-22 insurance lapses or gets canceled. This results in automatic license suspension until you file a new SR-22 and complete all reinstatement requirements.
SR-22 Requirement Length
Missouri requires SR-22 insurance for two years, but this extends from three to five years for serious violations involving injuries, death, or major property damage. For non-driving violations:
SR-22 Filing Process
Contact an insurance company licensed in Missouri to file an SR-22. Purchase a policy meeting Missouri's minimum requirements. Your insurance company files the SR-22 electronically with the Missouri Department of Revenue, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Missouri drivers who can't find standard auto insurance coverage have options through the Missouri Automobile Insurance Plan (MAIP). MAIP helps match drivers with participating insurance companies that will provide coverage. Drivers needing SR-22 insurance can work with specialty insurers or standard carriers.
Cheap SR-22 Insurance in Missouri: Bottom Line
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.
SR-22 Insurance Missouri: FAQ
Below are frequently asked questions about SR-22 certifications in Missouri:
What are the cheapest SR-22 car insurance options in Missouri?
Travelers provides Missouri's cheapest SR-22 car insurance at $79 per month for minimum coverage. Farm Bureau and Shelter Insurance follow as the next most budget-friendly options.
How much does filing an SR-22 increase car insurance rates in Missouri?
Filing an SR-22 increases car insurance rates in Missouri by 11% compared to drivers with clean records.
How long do you need to have an SR-22 in Missouri?
In Missouri, drivers must maintain an SR-22 and continuous insurance coverage for two years. Letting coverage lapse will reset the SR-22 period and may lead to additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance 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.
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.