SR-22 insurance is not a type of insurance, but it’s a certificate that proves you have the necessary insurance coverage required by your state. It is often required for drivers who have been involved in driving infractions, including DUI, reckless driving or driving without insurance.
The SR-22 form is filed by your insurance company with the Missouri Department of Motor Vehicles (DMV) to prove that you have the state-required minimum liability coverage. This form verifies that you have the necessary insurance coverage in place. If your driving privileges were suspended or revoked and you must carry an SR-22, you must maintain continuous coverage for the period specified by the court or DMV.
In this guide, you’ll find what SR-22 insurance covers in Missouri and how it affects your annual premiums should you need one.
Who needs an SR-22 in Missouri?
In Missouri, if your driver’s license gets suspended or revoked because of certain violations, you might need SR-22. It is a form that proves you have car insurance.
Here are some reasons why a driver might need an SR-22:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Missouri, an SR-22 is generally needed for 2-3 years, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Missouri law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Missouri?
Getting insurance in Missouri involves purchasing a car insurance policy and having the insurance company file an SR-22 form with the Department of Motor Vehicles (DMV)on your behalf.
Getting the right car insurance:
- Contact your current insurance provider: Many insurers can handle SR-22 filings, but remember that your rates may change. It’s important to confirm whether they offer an SR-22 and if it will affect your premiums.
- Shop for quotes: It’s important to compare quotes from different insurers that offer SR-22 coverage. Disclose your need for an SR-22 so you get accurate estimates.
- Meet state minimum liability limits: Make sure that your coverage meets Missouri’s required minimums, which is 25/50/25.
Filing the SR-22:
- Inform your insurer about your SR-22 requirement. They’ll handle the paperwork and submit the form to the DMV.
- Pay any associated fees. Expect an SR-22 filing fee from your insurance company on top of the increased premium for your high-risk status.
- Maintain continuous insurance. A lapse in coverage may result in the DMV suspending your license again.
Remember, an SR-22 requirement could lead to higher premiums based on your driving history. It’s important to shop around for quotes and practice safe driving to help lower the elevated rates.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Missouri?
The average cost of car insurance in Missouri is $2,217 per year for full coverage with an SR-22, which is $124 higher than the national average of $2,093 a year. However, if you have a DUI on your record, the average annual premium in Missouri jumps to $3,283 for full coverage.
In addition to the increased premium, most insurance companies also charge a small fee for filing the SR-22 form. If you’re facing a license suspension, getting an auto insurance policy along with an SR-22 form is typically the only way to reinstate your license.
How much is SR-22 insurance per month in Missouri?
Missouri drivers with a DUI can expect to pay an average of $274 a month for full coverage insurance with an SR-22.
Not all insurance companies provide car insurance for high-risk drivers, so you may need to look into various insurers to find the one that does. But be prepared to pay higher premium costs due to driving infractions on your record.
However, if you drive carefully and avoid speeding, DUIs and other violations, you can improve your driving record, which could lead to lower insurance premiums in the future.
Affordable SR-22 insurance companies by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cheapest SR-22 insurance companies in Missouri
Nationwide offers the cheapest SR-22 car insurance rates to Missouri drivers at an average annual premium of $1,373 . Progressive and State Farm also offer affordable SR-22 car insurance rates in Missouri, based on an in-depth analysis by CarInsurance.com.
After a DUI or other traffic violation in Missouri, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Missouri.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Nationwide | 1,361 | 1,373 |
| Progressive | 1,960 | 2,088 |
| State Farm | 2,072 | 2,412 |
| Allstate | 2,852 | 3,168 |
| Geico | 3,217 | 3,237 |
| USAA* | 1,086 | 1,103 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Missouri?
You will need SR-22 in Missouri for a duration of 2-3 years It assures the Missouri DMV that you’re consistently maintaining at least the minimum required coverage levels mandated by the state.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my car insurance?
If you cancel your car insurance in Missouri before the required period mandated by the state, it can lead to serious consequences.
- Driver’s license suspension: Your Missouri insurance provider is legally required to inform the state if your insurance is canceled. This likely triggers a driver’s license suspension, as you must still maintain SR-22 coverage for the mandated period.
- Fines and penalties: In addition to suspension, some states may impose additional fines or penalties for failing to comply with the SR-22 requirement.
- Extended probationary period: If your Missouri SR-22 requirement was part of a probation period for a driving offense, cancellation might restart the clock.
- Increased insurance costs: Future attempts to purchase insurance might be costly due to the lapse in coverage and driving record violations.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in Missouri
The most common way to get your SR-22 removed is to wait until the required filing period is over. In Missouri, the standard SR-22 filing period is 2-3 years from its filing date.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Missouri?
The requirement of an SR-22 certificate can increase your car insurance premiums significantly. Most insurance companies consider drivers with SR-22 high risk, resulting in premium hikes.
Your specific increase in rates will vary based on various factors, including your driving record and the reason for the SR-22.
It’s important to shop around and compare quotes from different insurance companies to find the most affordable coverage when dealing with an SR-22 requirement. Over time, insurance rates may gradually decrease as the driver maintains a clean driving record and complies with the SR-22 requirements.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Missouri drivers
If you’re in a situation where you require an SR-22 in Missouri but don’t have a vehicle, non-owner SR-22 insurance can help you reinstate your Missouri driver’s license and fulfill the state requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Missouri
How do I check my SR-22 status online in Missouri?
You can visit the official Missouri DMV website and use their online services to check your SR-22 status. Besides, you can contact the Missouri DMV directly via phone and inquire about your SR-22 status. They should be able to provide you with the necessary information.
Do I need an SR-1P or SR-22 in Missouri?
The SR-22 and SR-1P are forms your insurance company files with the Missouri DMV to show you have the minimum required liability coverage. SR-1P is for two-wheelers, such as motorcycles, mopeds and scooters – if you’ve been caught riding without insurance or had your license suspended, you’ll need an SR-1P.
What happens to your SR-22 insurance in Missouri if you move?
Your SR-22 insurance in Missouri doesn’t disappear when you move. You’ll need to find a new insurance company licensed in your new state to file an SR-22 on your behalf. They’ll likely need to file forms with the Missouri DMV and your new state’s DMV to transfer the requirement. Don’t cancel your Missouri insurance until you have the new SR-22 in place to avoid a lapse in coverage.
Your new state’s SR-22 requirements might differ from Missouri’s. You’ll need to consult with your new insurer and the DMV in the state to understand what’s needed.
Does Geico offer SR-22 in Missouri?
Yes, Geico offers SR-22 in Missouri. It is one of the major car insurance companies that file SR-22 with the state on your behalf, along with providing the necessary insurance coverage to meet the state’s requirements.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Missouri. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Guide to car insurance (with rates) in cities of Missouri