Cheapest SR-22 Car Insurance in Missouri (August 2024)

An SR-22 is not an insurance policy, but a certificate proving you have the minimum liability coverage required after certain moving violations. In Missouri, either you or your insurer must file this form for situations like DUI or driving without insurance. While the SR-22 itself doesn't change your rates, the violations leading to it could raise your premiums considerably.

For those seeking affordable SR-22 coverage, Progressive offers the cheapest option at $458 annually, followed by American Family at $647 per year. These rates reflect minimum coverage auto insurance for Missouri drivers needing an SR-22.

As for non-owner car insurance, which is suitable if you who need an SR-22 but don't own a vehicle, the most economical choices are State Farm at $518 annually and Travelers at $642 per year.

The cheapest companies for state minimum coverage SR-22 car insurance in Missouri are:

• Progressive: $38 per month, $458 per year
• American Family: $54 per month, $647 per year

The least expensive providers for full coverage car insurance SR-22 insurance in Missouri are:

• American Family: $99 per month, $1,183 per year
• Travelers: $119 per month, $1,434 per year

After a moving violation, your car insurance rates are likely to increase because you're considered a high-risk driver. Nonetheless, you can still secure cheap SR-22 car insurance by shopping around and comparing quotes from various insurers.

The companies with the cheapest non-owner SR-22 insurance in Missouri are:

• State Farm: $43 per month, $518 per year
• Travelers: $54 per month, $642 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for people who need to file an SR-22 but don't own a vehicle. This could be due to a license suspension, revocation or serious traffic violations. It's important for non-owner drivers to find the most affordable provider to ensure they’re meeting legal obligations without overpaying.

An SR-22 is a certificate your insurance company files with Missouri to prove you're carrying the state's required minimum coverage. It's not an insurance policy but a form that shows you meet legal requirements after serious traffic offenses like DUI, driving without insurance or repeat traffic offenses. You or your insurer must file the SR-22, and it typically needs to be maintained for three years In Missouri. If your SR-22 is canceled, terminated or has lapsed, your insurer is obligated to notify the Missouri Department of Public Safety immediately.

An SR-22 verifies that you have the following minimum car insurance requirements:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

Even if you don't own a car, you may need to get SR-22 non-owner car insurance. Having an insurance card is not enough; the SR-22 form is a separate requirement.

Missouri drivers who have committed certain violations may need to file an SR-22. This form is a certificate of financial responsibility, showing you have the state minimum coverage. It's required for people like those with a DWI conviction or who've been caught driving without insurance.

Filing an SR-22 helps you keep your driver's license after serious traffic offenses. The duration for maintaining an SR-22 in Missouri is typically three years. If a policy is canceled, the insurance company must notify the state. Below, we’ll outline the specific convictions that could lead to an SR-22 requirement.

Having an SR-22 in Missouri can lead to high insurance costs, fewer choices for minimum coverage and extra fees. Worse, insurers might say no to covering you or even cancel your policy mid-term if you need an SR-22. It's important to keep your insurance going without a break because any gap could mean you start over with your SR-22 requirement. In Missouri, you must have an SR-22 for three years.

An SR-22 negatively impacts your car insurance in Missouri in these ways:

The average annual cost of SR-22 car insurance in Missouri for drivers with a DUI is $2,207 for full coverage and $1,017 for state minimum coverage. In comparison, drivers with a clean record pay $1,565 for full coverage and $699 for state minimum coverage. This highlights a significant increase in premiums for those with a DUI on their record.

The severity of your offense directly impacts your premiums. It's the violations associated with the SR-22 certificate, such as a DUI, that cause the rate hike. If you're a repeat offender or have a severe violation, your insurer might not renew your policy or could raise your rates at renewal. An SR-22 certificate in Missouri typically lasts three years. During this period, you must maintain the state's minimum liability coverage.

Filing an SR-22 in Missouri is essential after certain violations like DUI or driving without insurance. It's mandatory for maintaining your driving privileges, and not filing can lead to severe consequences, including license suspension.

Here are the steps to secure an SR-22 in Missouri:

If your SR-22 in Missouri lapses, your driving privilege can be re-suspended. To reinstate your license, you'll need to get a new SR-22, proving you have the state minimum coverage. The cost for this process varies, so it's best to check with your insurer.

A DUI on your record can lead to higher car insurance premiums, but affordable coverage is still within reach. For example, a 30- to 59-year-old with a clean driving record might pay an annual premium of $698 for state minimum coverage. That same driver with a DUI could see rates increase to $1,016 yearly.

For Missouri drivers needing an SR-22, it's important to shop around. Even with the required minimum liability coverage following a DWI, there are options for cheaper rates. To learn more about finding car insurance after a DUI, explore resources that compare and break down the costs to help you save.

Finding affordable SR-22 insurance in Missouri can be tough. Get answers to common questions about securing low-cost SR-22 car insurance here.