Missouri SR-22 & High-Risk Auto Insurance
Missouri requires 25/50/25 liability coverage and is an at-fault state.
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Missouri 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 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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$29/mo
Typical monthly rate in Missouri, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- 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
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf 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 from the date of your DUI conviction or license reinstatement. If your insurance lapses at any point during those 2 years, your license is suspended and the 2-year period restarts from the date you file a new SR-22 and reinstate.
Can I get car insurance with a suspended license in Missouri?
You can purchase an SR-22 policy while your license is suspended, which is often required before the Missouri Department of Revenue will reinstate your license. Many non-standard carriers in Missouri write policies for suspended drivers, though you cannot legally drive until reinstatement is complete and the SR-22 is filed.
Which insurance companies offer SR-22 in Missouri?
Non-standard carriers specializing in high-risk drivers typically offer SR-22 filing in Missouri, though specific company availability varies by ZIP code and violation type. Standard carriers like State Farm and Geico may drop drivers after DUI convictions, requiring you to seek coverage from non-standard insurers who file SR-22 electronically with the state.
What happens if my SR-22 insurance lapses in Missouri?
If your policy lapses or is canceled during your 2-year SR-22 requirement, your insurer notifies the Missouri Department of Revenue within 10 days and your license is suspended immediately. You must purchase new SR-22 coverage, pay reinstatement fees, and restart the full 2-year SR-22 requirement from the new filing date.
Do I need SR-22 for a reckless driving ticket in Missouri?
Reckless driving alone does not automatically trigger SR-22 in Missouri unless it results in license suspension or combines with other violations to reach 8 points within 18 months. However, if the court orders SR-22 as a condition of your sentence or if your license is suspended, you will need to maintain SR-22 filing for 2 years.
Coverage 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.