Missouri SR-22 & High-Risk Auto Insurance
Missouri requires 25/50/25 liability coverage and is an at-fault state.
Get SR-22 Quotes NowMissouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$20
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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. These minimums cover only what you owe others—they provide no protection for your own vehicle or injuries.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$29/mo
Typical monthly rate in Missouri, non-owner policies
Rate data: Insure.com, 2026
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
Get Your SR-22 Even Without a Car
Get SR-22 Quotes NowIf your license is suspended
Limited Driving Privilege (LDP)
about 5 days to process.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Missouri after a DUI?
Missouri requires SR-22 filing for 2 years minimum from the date your license is reinstated following a DUI conviction. The clock restarts if your insurance lapses at any point during the 2-year period, and you must pay reinstatement fees again. Most insurers maintain elevated premiums for 5 years after a DUI, even though the SR-22 requirement ends after 2 years.
What happens if my SR-22 insurance lapses in Missouri?
Your insurer notifies Missouri DOR within 10 days of any policy cancellation or lapse. DOR immediately suspends your driving privileges and restarts the full 2-year SR-22 requirement from the date you file a new certificate and pay reinstatement fees. You cannot drive legally until you purchase new coverage, file SR-22, and complete reinstatement—a process that typically takes 3–7 business days.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer proving continuous coverage to Missouri DOR. The SR-22 itself costs $15–$25 to file, but your premiums increase substantially due to high-risk classification.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Missouri's 25/50/25 minimums are the foundation for SR-22 filing but may not adequately protect your assets after a serious collision.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage. Missouri requires insurers to offer UM/UIM at your liability limits unless you reject it in writing.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk profiles including multiple DUIs, suspended licenses, and drivers requiring SR-22 filing. Premiums are higher but coverage is available when standard carriers decline.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident regardless of who is responsible. Required by lenders on financed vehicles and essential for protecting vehicle value.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather, and animal strikes. Bundled with collision for full coverage and required by lenders on financed vehicles.