Cheapest SR-22 Car Insurance in Missouri (2024)

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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byVictoria Copans
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Updated: May 20, 2024

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The cheapest SR-22 insurance in Missouri is offered by State Farm at $441 annually and Progressive at $522 per year for minimum coverage.

In Missouri, drivers with serious traffic offenses on their records, like a DWI or driving without insurance, may be required to file an SR-22 form. SR-22 is not a type of insurance policy — it's a certificate of financial responsibility that serves as proof that you have the minimum liability insurance required in the state. Violations that require you to file an SR-22 tend to have a significant impact on car insurance premiums.

For drivers who do not own cars and need a minimum coverage policy, the cheapest companies for non-owner SR-22 insurance in Missouri are State Farm and Travelers at $518 and $642 per year, respectively.

MoneyGeek Logo IconCheapest SR-22 InsuranceMissouri

Cheapest Companies for SR-22 Car Insurance in Missouri

Why Trust MoneyGeek? Our team obtained data from the Missouri Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

43,229Quotes Analyzed
11Companies Compared

Cheapest Companies for SR-22 Car Insurance in Missouri

The cheapest companies for minimum coverage SR-22 insurance in Missouri for drivers with a DWI are:

The cheapest providers in Missouri for full coverage SR-22 insurance are:

Drivers with violations are considered high risk by insurers since they are more likely to file claims, so they are charged higher car insurance rates. However, you can get cheap SR-22 car insurance by comparing quotes from different insurers.

The table below displays the cheapest SR-22 insurance providers in Missouri and their rates, ranging from $441 to $1,167 for minimum coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
State FarmAnnual Premium$441Monthly Premium$37
ProgressiveAnnual Premium$522Monthly Premium$44
American FamilyAnnual Premium$684Monthly Premium$57
TravelersAnnual Premium$758Monthly Premium$63
KemperAnnual Premium$807Monthly Premium$67
NationwideAnnual Premium$901Monthly Premium$75
AllstateAnnual Premium$904Monthly Premium$75
AAAAnnual Premium$1,084Monthly Premium$90
ShelterAnnual Premium$1,090Monthly Premium$91
GEICOAnnual Premium$1,167Monthly Premium$97

What Is SR-22 in Missouri?

An SR-22 is a certificate of financial responsibility that you may be required to file if you commit a serious traffic offense, such as a DUI, or in Missouri, a DWI, since the state does not give DUIs. The certificate is not a type of insurance but a document that your insurer files on your behalf to serve as proof that you have the required minimum liability car insurance coverage.

Requirements for filing an SR-22 may vary by state, but in most cases in Missouri, these violations will require it:

  • DWI
  • Driving without a valid license or with a suspended license
  • Reckless driving
  • Multiple at-fault accident violations
  • Driving without insurance

Missouri law requires you to keep the SR-22 on file with the Driver License Bureau for two years from the starting date of your suspension. The filing period can be up to three years for some offenses, such as driving without insurance. Missouri also requires the filing of an SR-22A for drivers who have been convicted of multiple violations.

Your insurance provider will file an SR-22 form with the Missouri DMV on your behalf. As a result of the filing, your car insurance premiums may increase since you will be considered a high-risk driver.

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Once the mandatory filing period of your financial responsibility requirement ends, your insurer must file a Financial Responsibility Cancellation Form. This will serve as notice to the state that you have fulfilled the mandatory SR-22 filing period.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Missouri

The cheapest minimum coverage providers for non-owner SR-22 car insurance in Missouri are:

If you are a member of the military community, USAA is the cheapest option for non-owner SR-22 insurance at $219 per year.

Even if you do not currently own a vehicle, you may be required to file an SR-22 in some situations, such as if your car gets totaled or you need to get your license reinstated after suspension. Non-owner car insurance will provide you with the liability coverage you need to drive legally and get your license reinstated.

The table below illustrates the cheapest non-owner SR-22 car insurance providers in Missouri, along with their rates, ranging from $518 to $1,186 for minimum coverage.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
State FarmAnnual Premium$518Monthly Premium$43
TravelersAnnual Premium$642Monthly Premium$54
NationwideAnnual Premium$883Monthly Premium$74
GEICOAnnual Premium$918Monthly Premium$76
KemperAnnual Premium$1,151Monthly Premium$96
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If you don't own a vehicle but often drive rentals or need to file an SR-22 form, non-owner car insurance is a good choice. This type of policy provides liability coverage for property damage and bodily injury to others if you are involved in an at-fault accident.

Non-owner auto insurance rates in Missouri are generally cheaper than rates for standard car insurance. To get the most affordable rates, it is best to compare quotes from different providers.

Average Cost of SR-22 Car Insurance in Missouri

If you have a DWI violation, SR-22 insurance in Missouri costs an average of $836 per year for minimum coverage and $1,827 per year for a full coverage policy. You may also be required to file an SR-22 for other violations like speeding and at-fault accidents. Driving offenses tend to increase your car insurance premiums since you are considered a high-risk driver by insurers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
CleanAnnual Premium$560Monthly Premium$47
DUIAnnual Premium$836Monthly Premium$70
TicketAnnual Premium$739Monthly Premium$62
At-Fault AccidentAnnual Premium$845Monthly Premium$70
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You can keep your SR-22 insurance costs affordable by comparing insurance rates every time your policy renews. Rates can change over time and can vary widely depending on the provider, so comparing different insurers periodically can help you save on costs.

How SR-22 Affects Car Insurance Rates in Missouri

Depending on the violation, filing an SR-22 in Missouri can increase your car insurance rates by up to $242 per year, on average. Rates tend to increase after filing an SR-22 because it indicates that you are a high-risk driver with a high likelihood of filing claims, so insurers will charge you more for coverage.

Filing an SR-22 form is generally required when a driver has a serious violation like a DWI, multiple at-fault accidents or reckless driving offenses. You may also need to file an SR-22 if your license is suspended or if you are caught driving without the mandatory minimum liability insurance coverage.

Car Insurance Rate Comparison Based on Driving Records in Missouri

Clean Driving Record

Annual Premium for Minimum Coverage

After a DWI

Annual Premium for Minimum Coverage

Car insurance premium after a DWI is on average:$242 more

This is 41% more expensive.

Other Effects of SR-22 on Car Insurance in Missouri

Filing an SR-22 can have other serious consequences on your car insurance in Missouri besides higher premiums. These may include:

Limited number of insurance options

Insurers may choose to deny coverage to individuals with an SR-22 requirement due to the higher risk associated with their driving history. As a result, car insurance options may be limited if you are a high-risk driver since not all insurers are willing to take on the added risk. You may need to purchase coverage from a non-standard auto insurer that specializes in high-risk drivers.

Possible policy cancellation

If you are required to file an SR-22 due to a serious violation, your existing insurance provider may opt to terminate the remaining duration of your policy. This means you will need to find another provider immediately to avoid a lapse in coverage.

Length of required filing

In Missouri, you are required to maintain SR-22 insurance with the Driver License Bureau for two years from the starting date of the suspension. Some violations may require a filing period of three years.

Filing fees

In Missouri, you will incur filing fees for an SR-22, which typically range between $15 and $50.


How to Get SR-22 Insurance in Missouri

To get SR-22 insurance in Missouri after a violation, you can follow these steps:

  • Identify a car insurance provider that provides coverage to drivers who have violations on their records.
  • Purchase a policy that meets the minimum liability limits required by Missouri law.
  • Request that your insurance provider file an SR-22 form on your behalf as proof that you have the minimum liability coverage required.
  • Pay the applicable SR-22 filing fees and maintain the SR-22 insurance for the mandatory filing period.
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The cost of reinstating your license in Missouri after an SR-22 is $20 to $65, depending on the offense. For example, if your license is suspended due to points from non-alcohol moving violations — such as speeding — the reinstatement fee is $20. However, if you also lost your driving privilege due to refusing to take an alcohol or drug test, you will pay an additional $45. Fees may be updated at any time, so it's always a good idea to check with your local DMV for the latest information.

How to Get Cheaper Car Insurance in Missouri After a DUI

Your car insurance costs are likely to increase significantly after a DWI in Missouri, but you can find cheap SR-22 car insurance by following these steps:

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    Compare quotes immediately

    Car insurance quotes can vary widely depending on the provider. To get affordable car insurance after a DWI in Missouri, it's wise to compare quotes from different providers.

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    Complete DWI classes or programs

    Missouri offers a Substance Awareness Traffic Offender Program (SATOP) that individuals are required to complete after license suspension or revocation following an offense. Such classes can help you reduce the likelihood of future offenses, which may lower your insurance rates.

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    Look for discounts

    Common discounts like bundling, multiple car and safety equipment discounts may still be available to drivers with a DWI conviction and can help you lower your car insurance premiums. Look for an insurance provider that offers multiple discounts that you can take advantage of.

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    Practice safe driving

    Improving your driving record over time will help you get better rates. Ensure that you adhere to traffic regulations and, if necessary, take safe driving classes to avoid getting more violations on your record.

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    Shop rates over time

    Always compare rates when it is time to renew your policy to ensure that you are still getting the most affordable rates for your profile. Rates tend to change over time, so the cheapest provider may vary from year to year.

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Non-standard auto insurance is another option for high-risk drivers to consider. Although non-standard car insurance tends to be more expensive, it may be your best option if you cannot get coverage elsewhere due to a bad record.

Frequently Asked Questions About SR-22 Insurance in Missouri

MoneyGeek answered commonly asked questions about SR-22 car insurance in Missouri to help you learn more about your options.

What are the cheapest SR-22 car insurance options in Missouri?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Missouri?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.