The cheapest SR-22 insurance in Missouri is offered by State Farm and Progressive at $441 and $522 per year, respectively, for minimum and full coverage.
In Missouri, drivers with serious traffic offenses on their records may be required to file an SR-22 form. SR-22 is not a type of insurance policy — it's a certificate 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, the cheapest companies for non-owner SR-22 insurance in Missouri are State Farm and Travelers at $518 and $642 per year, respectively.
Cheapest Companies for SR-22 Car Insurance in Missouri
Cheapest Companies for SR-22 Car Insurance in Missouri
The cheapest companies for minimum coverage SR-22 insurance in Missouri for drivers with a DUI 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.
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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. 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, these violations will require it:
- DUI or 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 false 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.
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 providers for non-owner SR-22 car insurance in Missouri are:
- State Farm: $518 per year
- Travelers: $642 per year
If you have a military background, 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 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.
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 or 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 DUI or 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.
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 serious violations like DUIs, 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
Annual Premium for Minimum Coverage
$594Annual Premium for Minimum Coverage
$836This 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.
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.
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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.
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 DUI or DWI in Missouri, but you can find cheap SR-22 car insurance by following these steps:
Compare quotes immediately
Car insurance quotes can vary widely depending on the provider. To get affordable car insurance after a DUI in Missouri, it's wise to compare quotes from different providers.
Complete DUI 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.
Look for discounts
Common discounts like bundling, multiple car and safety equipment discounts may still be available to drivers with a DUI 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.
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.
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.
Non-standard auto insurance is another option for high-risk drivers to consider. Although nonstandard 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.
About Mark Fitzpatrick

sources
- Missouri Department of Revenue. "License Reinstatement Requirements." Accessed June 8, 2023.
- Missouri Department of Revenue. "Mandatory Insurance FAQs." Accessed June 8, 2023.
- Missouri Department of Revenue. "Substance Awareness Traffic Offender Program (SATOP)." Accessed June 8, 2023.