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Key Takeaways
- You must pay between $15 and $25 for filing SR-22 insurance in Missouri.
- Missouri Driver's License Bureau requires you to retain SR-22 insurance for two or three years, depending on the type of offense.
- The state does not offer any alternatives to SR-22 insurance.
- State Farm and USAA offer the cheapest SR-22 insurance rates in Missouri.
What generally happens if your license is suspended? How will it affect your driving record and your insurance premiums? What steps should you take to reinstate your revoked license and privileges?
With insurance added to its name, Safety Responsibility insurance is not an auto insurance policy but rather evidence of financial responsibility that allows you to drive after receiving traffic violations. SR-22 is required in Missouri to hit the roads after a serious driving infraction.
Here, we examine the specific details of SR-22 insurance in Missouri, the average SR-22 insurance premiums in the state, and companies that offer affordable SR-22 insurance.
What is SR-22 Insurance in Missouri?
A serious driving infraction can categorize you as a high-risk driver in Missouri. Once classified so, your auto insurance rates will automatically increase. In addition, under instances where your driving license is revoked, you will require SR-22 insurance to have your driving privileges reinstated.
With SR-22 insurance proof in hand, you can drive around with higher insurance rates. In addition, it will ensure that the driver has met the state-mandated minimum insurance coverage.
What is the minimum SR-22 car insurance coverage in Missouri?
The minimum car insurance requirements in Missouri are as follows.
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 underinsured/uninsured motorist coverage per person
- $50,000 underinsured/uninsured motorist coverage per accident
When do I need SR-22 Insurance in Missouri?
The Driving License Bureau of Missouri mandates SR-22 insurance under the following driving infractions.
- Driving without insurance
- At-fault accident
- Failure to show proof of insurance
- False Insurance
- Unable to maintain liability insurance
- DUI charges
How long will I need the SR-22 in Missouri?
Once your license is suspended under the mandatory insurance law in Missouri, one must mandatorily maintain their SR-22 insurance for two or three years, depending on the severity of the offense.
For instance, if you were found at fault in an accident, you should maintain the SR-22 form for two years starting from the day of suspension. You are required to maintain it for three years if you fail to show proof of insurance when requested by the Department of Revenue or if you fail to maintain liability insurance.
When can I remove my SR-22 in Missouri?
Once you have completed the mandatory period in maintaining the insurance, you need not maintain this. However, you should maintain the coverage without any lapse in payment to avoid relapses in the maintenance period.
How much does SR-22 insurance cost in Missouri?
In Missouri, filing for SR-22 insurance costs between $15 and $25. This might seem reasonable. In contrast to Missouri's typical insurance rates, the cost of insurance after a violation or SR-22 insurance goes way up. You will have to pay reinstatement costs ranging from $20 to $400 in addition to the state-mandated insurance for acquiring the SR-22 form.
How much does SR-22 Insurance raise premiums in Missouri?
The average cost of a full coverage policy in Missouri is $1860. Once you need SR-22 insurance in the state, the car insurance rates can increase by at least 7%. The cost of minimum coverage after a DUI charge in Missouri is $956 per year.
Cheapest Companies for SR-22 Insurance in Missouri
There might not be many companies offering SR-22 insurance in Missouri. Once you have a traffic citation on your driving record, it will be difficult to obtain cheaper insurance. However, SR-22 insurance is handled by certain well-known insurance firms in Missouri. State Farm offers the most affordable insurance quotes for people who need to keep their SR-22 insurance among these companies.
| Insurance Company | Annual Average Insurance Rate |
|---|---|
| USAA | $351 |
| State Farm | $487 |
| Allstate | $725 |
| Progressive | $723 |
How much does credit score affect SR-22 insurance costs in Missouri?
The credit score is an important non-driving factor influencing car insurance rates with or without SR-22 insurance requirements. Unfortunately, in Missouri, too, a poor credit score and a driving infraction become an expensive combination to maintain, increasing the rates by at least $67.
| Credit Tier | Avg. Monthly Rate - No Violation | Avg. Monthly Rate - SR-22 |
|---|---|---|
| Excellent | $235 | $290 |
| Good | $261 | $322 |
| Average | $263 | $325 |
| Poor | $285 | $351 |
How do you file for SR-22 Insurance in Missouri?
Finalize your Provider
Since insuring a high-risk driver with an SR-22 requirement may not be offered by all insurance providers, you must research, shop around, compare and finalize your provider.
Payment of SR-22 Fee
Since the provider needs to complete the form on your behalf, it will be necessary for you to make the payment directly to the provider. It will cost anywhere between $15 and $25 to file for SR-22 insurance in Missouri.
File Proof of Insurance
Your provider will file the SR-22 form with the Driver's License Bureau.
Maintain your SR-22 Filing
Once you file for an SR-22 and pay the required reinstatement fee, the Bureau will reinstate your driving privileges and license. However, if you fail to maintain continuous coverage during the critical period, it will cause the coverage period to begin over.
Alternatives to SR-22 Insurance in Missouri
The state does not put forward any alternatives to SR-22 insurance. Therefore, if you do not want to carry SR-22 insurance, you will have to wait for your license suspension period to end.
Non-Owner SR-22 Insurance in Missouri
If you have a significant driving offense but do not own a car and often rent or borrow one, you will need non-owner SR-22 insurance. This will demonstrate that you are financially responsible for getting back on the road.
Non-owner SR-22 insurance prices, on the other hand, are lower than the Missouri average. Furthermore, State Farm and USAA offer the most affordable non-owner auto insurance rates.
| Insurance Company | Average Annual Rate |
|---|---|
| USAA | $216 |
| State Farm | $306 |
| Progressive | $463 |
| Farmers | $795 |
How to Save Money on SR-22 Insurance
Maintaining a clean driving record is essential to maintaining your insurance premium rates. With an offense on record, reducing insurance premiums can prove to be difficult. With restricted alternatives, comparing insurance quotes should give you an idea of the average rates. This can help choose a cost-effective option even after filing an SR-22 form.
- Compare and Purchase
Make use of the online quotes that insurance companies now provide. Choosing the one that suits your needs is best possible through this research. Way.com is the quickest and easiest way to compare quotes in Missouri.
- Improve your credit score
A good credit score indicates fewer claims. In addition, a good credit score will come to your rescue if the offense is not repeated, reducing your premium rates.
- Look for discounts
Once you have filed for SR-22 Insurance, you will have to forget the good driver discounts you once enjoyed. But you must always look for the other available discounts the insurance companies offer. For example, multipolicy, telematics, and bundling discounts can significantly affect the rates.
- Increase your deductible
Higher deductibles reduce vehicle insurance premiums even though they can reduce your accident claim. First, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.
- Pay your premium in full
Insurance companies will reduce the total amount paid if you can pay your premium in full.
- Consider usage-based car insurance
If you are not a frequent driver but are a high-risk driver due to infractions, you might want to consider usage-based Insurance.
Several types of driving infractions in Missouri will result in a suspended license. The auto insurance company must then submit the SR-22 form. This will certify that the driver meets the state's minimal insurance requirements. Furthermore, depending on the infraction, the driver will be required to keep the SR-22 in Missouri for two or three years.
Your insurance costs may rise after filing an SR-22 since your driving record contains offenses that identify you as a high-risk driver. Way.com locates the best offers from the leading insurance providers. For example, state Farm has the cheapest SR-22 insurance and non-owner SR-22 insurance prices in Missouri, followed by USAA.
Missouri SR-22 Insurance: The Bottomline
| SR-22 Needed After | Serious traffic offense and/or suspension of the license |
| Required For | 3 years |
| Average Rate Increase | $55 |
| Minimum Bodily Injury Liability Coverage | $50,000 per person / $100,000 per accident |
| Minimum Property Damage Liability Coverage | $50000 |
| Additional coverage required | Personal injury protection - $50,000 |
| Property protection insurance - $25000 |
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions
What Missouri drivers need an SR-22?
The Driving License Bureau of Missouri mandates SR-22 insurance for drivers facing the following driving infractions driving without insurance, At-fault accident, failure to show proof of insurance, false insurance, unable to maintain liability insurance, and DUI charges
How much does SR-22 insurance cost compared to a standard policy in Missouri?
The average cost of a full coverage policy in Missouri is $1860. Once you need SR-22 insurance in the state, the car insurance rates can increase by at least 7%. The cost of minimum coverage after a DUI charge in Missouri is $956 per year.
Who has the cheapest SR-22 insurance in Missouri?
Both State Farm and USAA offer the cheapest SR-22 insurance in Missouri.
What happens to my SR-22 in Missouri if I move?
You will still need to maintain your SR-22 insurance in Missouri even if you move out of the state. In such cases, you will have to request your insurance provider to transfer your SR-22 insurance to the state you move to and maintain it without any lapse.
Do I need an SR-22 in Missouri if I don't have a car?
If you have a significant driving offense but do not own a car and often rent or borrow one, you will need non-owner SR-22 insurance. This will demonstrate that you are financially responsible for getting back on the road.
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