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 convicted of DUI, driving while suspended, accumulating 8 points within 18 months, or causing an accident without insurance must file SR-22 proof of financial responsibility with the Missouri Department of Revenue. Uninsured motorist coverage is also required at the same minimum liability limits.
Cost Overview
High-risk auto insurance in Missouri costs significantly more than standard policies due to the elevated claims risk insurers assign to drivers with violations. A DUI conviction typically doubles or triples premiums, while at-fault accidents and suspended license violations add 40%–80% to base rates. Missouri's average high-risk premium ranges from $183–$400 per month depending on violation type, age, location, and coverage limits.
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharges, often 150%–250% above base rates, while single at-fault accidents add 40%–60%
- Time since violation: Rates decrease 10%–20% per year as violations age off your record, with most surcharges dropping after 3–5 years
- ZIP code: Urban areas like St. Louis and Kansas City see higher rates due to theft and accident frequency, while rural counties often pay 15%–25% less
- Age and experience: Drivers under 25 with violations pay 30%–50% more than drivers over 30 with identical records
- Credit-based insurance score: Missouri allows credit scoring, and poor credit combined with violations can double premiums compared to high-risk drivers with good credit
- Vehicle type: Sports cars and luxury vehicles cost 20%–40% more to insure for high-risk drivers due to repair costs and theft rates
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Missouri Department of Revenue. Required for 2 years after DUI, suspended license violations, or at-fault accidents without insurance.
Liability Insurance
Covers injuries and property damage you cause to others. Missouri requires 25/50/25 minimums, but high-risk drivers should consider 50/100/50 or higher to avoid personal liability after a second incident.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by a driver without insurance or with insufficient coverage. Missouri requires this coverage at minimum liability limits unless you reject it in writing.
Non-Standard Auto Insurance
Policies designed for drivers standard carriers decline due to DUIs, suspensions, or multiple violations. Non-standard carriers specialize in high-risk profiles and offer SR-22 filing, though at higher premiums and often with higher deductibles.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Not legally required but often mandated by lenders and recommended for high-risk drivers with financed or leased vehicles.
Comprehensive Coverage
Covers theft, vandalism, hail, flooding, and animal strikes. Optional unless required by a lienholder, but valuable in Missouri due to high deer collision rates and frequent severe weather.
