Updated March 2026
State Requirements
Missouri requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions must file SR-22 with the Missouri Department of Revenue to reinstate or maintain driving privileges. Uninsured motorist coverage is required unless rejected in writing, which matters for high-risk drivers in a state where approximately 14% of motorists drive without insurance. These minimums cover only what you owe others—they provide no protection for your own vehicle or injuries.
Cost Overview
High-risk auto insurance in Missouri costs significantly more than standard coverage due to violation-based surcharges and SR-22 filing requirements. A DUI conviction typically increases premiums by 150–250%, while multiple at-fault accidents or driving without insurance can raise rates 100–180% over standard pricing. Rates decrease gradually as violations age—Missouri DUI surcharges typically remain for 5 years from conviction date, but the SR-22 requirement ends after 2 years of continuous coverage.
What Affects Your Rate
- Violation type and severity—DUI convictions carry higher surcharges than speeding tickets or lapses
- Time since violation—rates drop significantly after 3 years for most offenses as surcharges phase out
- SR-22 duration remaining—some carriers reduce rates as you approach the end of your 2-year filing requirement
- ZIP code and garaging location—urban areas like St. Louis and Kansas City have higher base rates due to accident frequency
- Coverage level selected—adding comprehensive and collision to SR-22 policies doubles premiums compared to liability-only
- Point accumulation—Missouri's point system affects rates independently of SR-22 requirements, with 8+ points triggering additional surcharges
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Coverage Options
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Frequently Asked Questions
Sources
- Missouri Department of Revenue - Driver License Bureau
- Missouri Department of Insurance, Financial Institutions and Professional Registration
- Insurance Research Council - Uninsured Motorists Study