Cheapest SR-22 Car Insurance in Missouri (2024)

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.

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

• State Farm: $441 per year
• Progressive: $522 per year

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

• State Farm: $1,034 per year
• American Family: $1,176 per year

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.

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.

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

• State Farm: $518 per year
• Travelers: $642 per year

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.

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.

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.

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

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.

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:

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