In Missouri, like many states, you might be required to get an SR-22 insurance form to reinstate your license after a serious driving offense. Your insurance provider has to file it for you, although not all of them will. There isn’t any difference between normal car insurance and SR-22 car insurance, except that the incidents that require you to get an SR-22 usually mean you’ll pay a higher average price. Here’s everything you should know about getting cheap SR-22 insurance in Missouri.
What Is Missouri SR-22 Insurance?
SR-22 insurance refers to insurance policies you get after being required to file an SR-22 certificate, usually standard liability coverage. Missouri SR-22 insurance is usually required for your driving record after having your license suspended for a DUI or “Motor Vehicle Accident Judgment,” which could mean an accident that was your fault or related infractions like fleeing an accident. Other situations could lead to an SR-22 as well, like not paying child support, but most are associated with moving vehicle offenses.
The SR-22 is not an insurance policy, but validation by your insurance company that you carry the coverage in by your state and by court order for the duration of the court-ordered SR-22 period. This is why SR-22 and other such forms are sometimes called “proof of financial responsibility.” The average cost of minimum coverage in Missouri after an SR-22 is $950 per year for DUI cases, one of the most serious types. However, what company you choose will affect your annual cost just as much as why you have to file the form.
Cheap SR-22 Insurance Companies in Missouri
Missouri is one of the more expensive states when it comes to car insurance, about 11% above the national average. After an SR-22, there may be an event on your record that increases your apparent risk to insurance providers, like an at-fault accident. Finding affordable insurance will be a little bit tricky, but some companies can still offer you very reasonable policies. The average annual costs of the cheapest providers of standard coverage after an SR-22 in Missouri are:
- USAA: $346
- State Farm: $481
- American Family: $668
- Progressive: $717
- Allstate: $719
- Esurance: $943
- Farmers: $952
- Shelter: $1,094
- AAA: $1,105
- Allied: $1,140
These are post-SR-22 insurance averages in Missouri for policies that meet standard mimimum car insurance coverage, not full coverage. Standard coverage from USAA could very well be your cheapest insurance option in Missouri after an SR-22, followed by State Farm, but it depends largely on your driving record. If you need additional coverage, these averages could change a lot, and other companies might be cheaper when getting a full-coverage SR-22 insurance plan.
What Is Minimum SR-22 Insurance Coverage in Missouri?
Drivers must have liability insurance, but how much coverage depends on your state. Injury liability coverage amounts for a car insurance plan are generally referred to by a set of three numbers, like 25/50/25 in Missouri, which would mean $25,000 of liability coverage for bodily injury per person in an accident, $50,000 of total bodily injury coverage per accident, and $25,000 of coverage for property damage per accident.
Remember, it’s also possible for a serious infraction or too many arrests or incidents in a short period to lead to an SR-22 and a court-ordered requirement for full-coverage insurance. There is no specific number ratio to be considered full coverage in Missouri, as “full coverage” refers to a policy that includes additional types of coverage known as comprehensive and collision in addition to liability coverage.
Cheap Non-Owner SR-22 Insurance Companies in Missouri
Most serious driving infractions will lead to your license being suspended. As a way to save money, you could reinstate your license with an SR-22 for a non-owner car insurance policy. These are for drivers who don’t own a car, like if yours was totaled but you’ll still be driving a different vehicle to get to work or school. Since non-car-owners usually drive less, you can get pretty low monthly and annual insurance premiums.
In Missouri, non-owner car insurance coverage is 50/100/50, meaning $50,000 of bodily injury coverage per person, $100,000 of total bodily injury coverage per accident, and $50,000 of property damage coverage per accident. Like any insurance, this coverage will cost more for drivers who are filing an SR-22.
Non-owner coverage costs an average of $484 per year after filing an SR-22 in Missouri. Several companies offer average rates well below that, particularly USAA, although their services are limited to current military members, veterans, and their immediate family members. The average annual rates for the companies with the cheapest non-owner Missouri insurance after an SR-22 filing are:
- USAA: $210
- State Farm: $300
- Progressive: $457
- Geico: $664
- Farmers: $789
Missouri has a penalty of up to $75 for being found driving without proof of insurance, and the infraction could cause further issues if you already have an SR-22 on your record. Unless you plan to avoid driving entirely, you’ll need owner or non-owner liability coverage. Keep in mind that these are averages and that you might find a better deal after shopping around. The key is to try several companies with a history of below-average insurance prices for Missouri drivers with the same kind of driving record.
How Do You File SR-22 Insurance in Missouri?
Your insurance company will handle filing an SR-22 for you, as long as they’re capable of doing it. If not, you’ll have to look at another car insurance provider who can file proof of financial responsibility forms. If filing for one wasn’t a clear option during the buying process online, you can call or message an agent and explain your situation. Filing will only cost you a one-time fee of $15 to $25, depending on the company.
The average cost of insurance in general after an SR-22 in Missouri is $950 per year, which comes out to about $80 per month. Try to beat that average by shopping around at some of the cheapest SR-22 insurance providers in Missouri, and you’ll be on the way to a more comfortable monthly premium. Later, when the SR-22 has remained for two years (or however long it was ordered), you can ask your provider to remove it through the Missouri Department of Revenue’s Vehicle Department.

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