SR-22 Insurance — Missouri
Missouri requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
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
Minimum Coverage Requirements in Missouri
Missouri operates under a tort liability system, meaning the at-fault driver pays for damages. The Missouri Department of Revenue requires continuous proof of insurance, and any lapse triggers immediate license suspension even if you aren't driving. If your suspension involved a DUI, excessive points, or driving uninsured, the Department of Revenue will require SR-22 certification from your insurer for 2 years from your reinstatement date.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Missouri
$230–$343/mo
Typical monthly rate in Missouri, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Each additional moving violation during your SR-22 filing period extends the filing requirement by 1 additional year from the date of the new conviction.
- Missouri insurers re-run your MVR every 6 months during the SR-22 period; a clean record qualifies you for step-down rate reductions at each renewal.
See What an SR-22 Really Costs in Missouri
Get My Missouri SR-22 Auto Insurance QuoteIf 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
Do I need insurance if my license is currently suspended in Missouri?
Yes, if your suspension requires SR-22 filing. Missouri law requires you to maintain continuous liability insurance and SR-22 certification even while suspended in order to satisfy reinstatement requirements. If you don't own a vehicle, you need a non-owner SR-22 policy. The Missouri Department of Revenue will not reinstate your license until you provide proof of SR-22 filing and pay all reinstatement fees.
How long does Missouri require SR-22 filing after a DUI suspension?
2 years from your reinstatement date, not your conviction date. The SR-22 clock starts when the Missouri Department of Revenue reinstates your license, and any lapse during those 2 years restarts the full period. Most DUI suspensions in Missouri are 90 days for a first offense; after serving the suspension and paying fees, your 2-year SR-22 requirement begins.
Can I get a hardship license in Missouri while my license is suspended?
Yes, Missouri offers a Limited Driving Privilege (LDP) for certain suspension types. You can apply through the circuit court in your county after serving a minimum suspension period, which varies by offense: 30 days for a first DUI, 90 days for driving while suspended. The LDP allows driving to work, school, medical appointments, and court-ordered programs. You must maintain SR-22 insurance to qualify.
Which insurance companies in Missouri write SR-22 for suspended drivers?
Non-standard carriers like The General, Bristol West, Acceptance Insurance, and Direct Auto write SR-22 immediately after suspension. Standard carriers like State Farm and Progressive typically require 6–12 months of reinstatement with no new violations before they'll quote suspended drivers. Non-standard carriers file the SR-22 electronically to the Missouri Department of Revenue within 24–48 hours of policy purchase.
Does Missouri require SR-22 for all license suspensions?
No. Missouri requires SR-22 for suspensions involving DUI, excessive points, driving uninsured, multiple moving violations, or serious accidents. Suspensions for unpaid child support, unpaid tickets, or failure to appear in court typically do not require SR-22 unless the underlying offense involved insurance or safety violations. Contact the Missouri Department of Revenue or check your suspension notice to confirm whether SR-22 is required for your specific case.
Coverage Types
SR-22 Insurance
Continuous liability coverage certified to the Missouri Department of Revenue for 2 years. Your insurer files the SR-22 electronically and notifies the state within 10 days if your policy lapses.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 certification to reinstate their license. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Bodily injury and property damage coverage required by Missouri law. Minimum 25/50/25 limits are mandatory; higher limits protect you from personal liability in lawsuits.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when you're hit by a driver with no insurance. Must be offered by all Missouri insurers but can be rejected in writing.
Non-Standard Auto Insurance
High-risk insurance for drivers with suspensions, DUIs, lapses, or multiple violations. Non-standard carriers specialize in SR-22 filings and accept drivers standard carriers reject.