Missouri SR-22 Insurance: What It Is and How Much It Costs

Drivers in Missouri with serious traffic violations in their record, like reckless driving or driving under the influence (DUI), need an SR-22. This form is filled by their insurance provider and confirms their insurance covers minimum car insurance requirements in Missouri. There is no difference between standard car insurance and SR-22 car insurance, apart from the fact that the latter is more expensive owing to the severity of the traffic violation. MoneyGeek found the cheapest SR-22 car insurance company in Missouri is USAA, with an average annual cost of $346.


Which Missouri Insurance Companies Offer the Cheapest SR-22 Insurance?

The severity of traffic violations makes SR-22 insurance significantly more expensive than a standard car insurance policy. The average cost of minimum coverage SR-22 insurance in Missouri is $950 per year in cases where an SR-22 form is required after a DUI. The average price of a car insurance policy in Missouri without a DUI is $643.

If you are on the lookout for cheap SR-22 insurance in Missouri, there are a few low-cost options. The least expensive SR-22 car insurance in Missouri is offered by USAA, with an average cost of $346 per year. However, keep in mind that this option is only available to active and former military members and eligible family members. The second cheapest option is State Farm, with an average annual cost of $481. Both of these average rates are for an SR-22 filed as a result of a DUI.

Cheapest Companies for SR-22 Insurance in Missouri

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The table above shows costs for policies that meet minimum car insurance requirements in the state of Missouri or for a full coverage policy that includes $100,000 bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. Average insurance costs can vary significantly among different insurance providers, and many factors can contribute to the cost of SR-22 insurance. These factors include the cost of filing, your specific driving violation and loss of discounts. If you need an SR-22 filing and want the lowest rates, it is best to compare rates from at least three different providers to get the best deal possible.

Key Takeaways


SR-22 insurance involves a filling cost, which is usually a one-time fee of approximately $25.


If you previously had good driver discounts, you will no longer be eligible for those, which increases the cost of SR-22 insurance.


The severity of your violation can affect your rates. For example, serious offenses like hit-and-runs can result in significantly higher rates.

What Is SR-22 Insurance in Missouri? Who Needs It? How Do You Get It?

While it may be called “SR-22 insurance,” SR-22 is not a separate insurance policy. Instead, it is a form completed by your insurance provider that shows you fulfill the minimum liability coverage requirements of your state. The form is usually required for drivers who commit a serious violation, like reckless driving or DUI. Insurance after a DUI or other serious traffic violations can be expensive.

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Drivers who file an SR-22 in Missouri need to prove that they met the minimum car insurance requirement of the state, which include:

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

Who Needs SR-22 Insurance in Missouri? And for How Long Do They Need It?

Violations that require SR-22 insurance can vary from state to state. In Missouri and other states, you will most likely need an SR-22 form if you commit one of the following violations:

  • DUI
  • Reckless driving
  • Driving with a suspended license
  • Driving without insurance coverage

Minor violations generally do not warrant an SR-22 form. Drivers in Missouri looking for insurance after a minor accident or ticket can shop around to find lower rates but would not have to pay premiums as high as someone who needs SR-22 insurance.

How long you need SR-22 insurance in Missouri depends on your offense, but the duration is three years in most cases. If your license is temporarily revoked due to the violation, this three-year period starts when it’s reinstated.

How Do You Get SR-22 Insurance in Missouri?

Typically, your insurance provider would file an SR-22 form with the state on your request. Since SR-22 forms are only applicable for high-risk drivers, an insurance company might choose not to cover you. Keep in mind that you will pay higher-than-average rates on your insurance, as your driving violation presents a heightened risk profile to the provider.


Non-Owner SR-22 Insurance in Missouri

If you commit a major traffic offense in Missouri, your license can get suspended. To reinstate your license, you may need to file an SR-22 form. This is a certificate of insurance proving you have purchased a car liability insurance policy in your name, even if you are not a car owner.

Purchasing a non-owner car insurance policy is the most cost-effective option to prove that you have sufficient auto insurance. This policy is suitable for those who need proof of insurance even if they do not own a car or drive frequently. If you often drive rental cars or the cars of friends or family, this insurance may be a good fit for your needs.

A non-owner car insurance policy in Missouri costs an average of $484 per year for SR-22 filers. The rates quoted by each insurance company vary greatly based on several factors. On average, USAA provides the cheapest SR-22 non-owner insurance, at $210 per year. However, the company only sells policies to current and former military personnel and their families. That makes State Farm the cheapest widely available insurer for non-owner car insurance in Missouri. You can buy a policy from State Farm at $300 per year on average.

The Average Cost of Non-Owner SR-22 Car Insurance in Missouri

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MoneyGeek computed Missouri's non-owner car insurance rates for a driver with a DUI on their record, purchasing a policy covering $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Missouri

Drivers curious about SR-22 insurance in Missouri often have questions about insurance rates and the process of filing an SR-22 form.

Read More About Car Insurance


MoneyGeek analyzed renters insurance premiums from 12 of the top insurance companies in Missouri that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Missouri. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.