Cheap SR22 Missouri Auto Insurance

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The SR-22 insurance, also referred to as the SR-22 certificate of financial responsibility, is documentation required within the state of Missouri for the reinstatement of a suspended or revoked license. The following violations would result in a driver needing an SR-22 filing:

SR22 insurance

Drivers Who Need Missouri SR22 Insurance

Too Many Offenses

DUI/DWI violation

Driving Uninsured

SR22 insurance
  • Two or more convictions for driving while intoxicated within a five year period. This would result in a five year suspension of the license.
  • Two or more convictions for driving while intoxicated and any other alcohol related driving offence. This would result in a ten year suspension of the license.
  • Suspensions due to an accumulation of too many points on a driving record.
  • Conviction for driving without insurance.
  • A failure to pay the damages of an accident for which fault has been legally proven.

Cost of an SR-22 policy in Missouri

For the filing of an SR-22 within Missouri, most insurance providers typically charge between $20 and $50. However, the true financial impact of an SR-22 is not reflected in the filing fee but rather in the insurance premiums payable by a driver.

Being required to file for an SR-22 is tantamount to being classified a high risk driver b the state of Missouri and this would mean that insurance providers would inflate your insurance premiums to account for the increased risk.

Still, there are insurance provides that specialize in such drivers and shopping around would unveil relatively cheaper policies around.


Missouri Car Insurance Rates Near Me


Cheap SR22 Car Insurance Missouri

Types of SR-22 forms available in Missouri

  • Auto owner. This is a standard insurance policy that provides a driver with personal coverage on their own vehicles with an SR-22 attached to it.
  • Non owner operator. This is a policy that provides coverage for a driver over cars he or she does not own. A driver without a car but who requires an SR-22 would be advised to purchase this policy as it less expensive than standard insurance.
  • Motorcycle owner. This is basically a standard motorcycle insurance policy with an SR-22 attached.

What to do if you have no car or license

Regardless of whether or not you have a car in Missouri, provided you are required to file for an SR-22, you must file it. A failure to do so would mean that such an individual is not legally permitted to drive within the state.

In a similar vein, if you do not have a license or it has been suspended, you would be required by the state to buy an adequate insurance policy and file for an SR-22 if you ever wish to drive again in the state.

How to file for an SR-22 in Missouri

Filing of an SR-22 in Missouri has to be done through a licensed insurance provider. As such, you would need to have a car insurance policy provider that offers such services.

For the service of processing the filing on your behalf, the insurance provider would require a filing fee. The insurance policy that is required to support your SR-22 is, however, expected by the state to meet the following requirements:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $10,000 property damage coverage

After a policy meeting state requirements has been purchased, your insurance provider can file the form electronically with the state. A notice confirming the acceptance of the form would be sent by the state permitting you to resume driving.

If you are from another state or are moving to another state

If you have an SR-22 from another state, you are required to maintain it while in Missouri. However, it would be prudent to also call the Missouri Department of Revenue to verify if your insurance policy meets the state’s requirements.

Maintaining an SR-22 form in Missouri

Depending on the severity of your offence and the number of transgressions on your record, you may be required by the state to maintain an SR-22 filing for one to three years. During this time period, any lapse in your insurance coverage would result in your license being suspended again.

What to do if the SR-22 lapses

If your insurance coverage lapses during the maintenance of an SR-22 filing in Missouri, the insurance provider is obligated by law to file an SR-26 with the state informing them of failure to renew or the cancellation of your policy.

This would result in your license being suspended again and your insurance coverage would need to be renewed and your mandate with the state, restarted, for your license to be reinstated.

Any reinstatement and/or court fees would also be charged to you.

How to go about cancelling my filing when I no longer need SR-22 coverage

Upon the completion of the state-mandated period of maintenance of your SR-22, you can call the Driver’s License Bureau to confirm the completion of your mandate. After confirming, you can then contact your insurance provider and have them cancel the filing.

SR-22A insurance in Missouri

Missouri requires drivers who have repeatedly violated their financial responsibility laws to file for an SR-22A with the state. This form requires the driver to have a valid insurance policy that is paid for in full for at least six months in advance.


Frequently Asked Questions (FAQ)

  • How much is an SR-22 in Missouri?
  • The SR-22 filing fee is a one-time fee but the insurance premiums payable by a driver would be more expensive and would vary from provider to provider. Regardless, the average insurance rate for an SR-22 classified driver in Missouri is $2,247 per annum and $187 per month.

    SR22 insurance

  • How long do you have to have an SR-22 in Missouri?
  • Depending on the severity of your offence and the number of transgressions on your record, you may be required by the state to maintain an SR-22 filing for one to three years. During this time period, any lapse in your insurance coverage would result in your license being suspended again.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • How do I find out if I still need an SR-22?
  • All you have to do is contact the Driver’s License Bureau to confirm the completion of your mandate. If it hasn’t, your SR-22 is still needed but if it has been completed, you can go about cancelling the filing.

  • When can I drop my SR-22 insurance
  • Upon the completion of the state-mandated period of maintenance of your SR-22, you can legally get rid of the filing with the state. All you have to do is contact the Driver’s License Bureau to confirm the completion of your mandate. After confirming that the period of filing is indeed over, you can then contact your insurance provider and have them cancel the filing. Cancelling the filing would also result in an adjustment of your insurance rate.

  • How do I get my SR-22 off my insurance?
  • You can contact your insurance provider and have them cancel the filing. Cancelling the filing would also result in an adjustment of your insurance rate. Be sure to confirm that the SR-22 mandate has indeed been completed with the state before cancelling the filing.

  • How much is SR-22 insurance per month?
  • The SR-22 filing fee is a one-time fee but the insurance premiums payable by a driver would be more expensive and would vary from provider to provider. Regardless, the average insurance rate for an SR-22 classified driver in Missouri is $2,247 per annum and $187 per month.

  • Do I need an SR-22 if I don’t drive?
  • If you don’t drive but have committed an offence worthy of an SR-22 filing within the state of Missouri, you are required by law to file the form and meet the insurance requirements of the state before ever getting behind the wheel again. In the event that your license was suspended for your offence, it would not be reinstated until you have filed the form.

  • Is SR-22 a one-time fee?
  • The filing of an SR-22 within Missouri requires a one-time fee of between $20 and $50. However, the true financial impact of an SR-22 is not reflected in the filing fee but rather in the insurance premiums payable by a driver.

  • Does SR-22 cover any car I drive?
  • Depending on the type of SR-22 certification you are carrying, your SR-22 can cover any car you drive. However, you have to be carrying the right kind of certification and insurance policy for your SR-22 to cover any car you drive.

  • Do I need SR-22 and regular insurance?
  • Yes. This is because the SR-22 is not an insurance policy in itself but rather an endorsement from your policy provider that is filed with the state to prove your future financial responsibility. For this endorsement to be filed, you would need to first possess an auto insurance policy with the provider that meets the state-mandated liability coverage requirements.