Understanding SR-22 insurance in Missouri

An SR-22 is required to reinstate your license after it’s been suspended. In some cases, you might need an SR-22 even though you don’t own a car, or if you need to register a car while still under suspension. There are several forms of SR-22 filings available in Missouri:

  • Operator
  • Owner
  • Owner-operator

If you need to reinstate your license but don’t own a car, you will need to purchase non-owner car insurance to get the SR-22 filed.

How long do you need an SR-22 in Missouri?

The average length of an SR-22 requirement is three years. If you need the SR-22 for a longer period of time, you’ll be informed by the MVDL or the court.

If you fail to maintain an insurance policy throughout the duration of your SR-22 period, the insurance company will inform the Missouri MVDL of the lapse in coverage. A lapse will result in an extension of the SR-22 insurance duration.

Further serious moving violations during the SR-22 period may also result in an extension of the SR-22 requirement.

Reasons for requiring SR-22 insurance in Missouri

An SR-22 is required in Missouri for several reasons. They include:

  • DWI
  • Driving without insurance
  • Being involved in an at-fault accident while uninsured
  • Too many points on your license
  • Reckless driving

You will be informed by the MVDL or the court handling your conviction of any SR-22 insurance requirements.

How much is SR-22 insurance in Missouri?

The cost of insurance with an SR-22 will vary depending on the violation that resulted in the need for an SR-22. The insurance company will charge you a filing fee that is usually between $25 and $50. On top of that, your insurance rates will go up. Here are a few examples:

  • The average cost of DWI first offense and SR-22 insurance in Missouri is $3,376 per year
  • The average cost of DWI second offense and SR-22 insurance in Missouri is $4,676 per year 
  • The average cost of insurance with an SR-22 in Missouri after a reckless driving conviction is $3,559 per year
  • The average cost of driving without insurance and SR-22 in Missouri is $2,802 per year

The main factors affecting SR-22 insurance cost in Missouri are the violation itself and what else is on your driving record. The cost of car insurance for multiple traffic violations and SR-22 insurance, or at-fault accidents on your record will skyrocket. 

How much you pay for insurance with an SR-22 will also depend on:

  • The type of car you drive
  • Where you live
  • How you use your car
  • Your coverage limits

Minimum coverage limits are the cheapest, but may not provide enough coverage. "Minimum coverage limits are just that; the absolute minimum you’re required to carry, but perhaps insufficient to adequately protect you in the event of an accident. You should carefully review the amount of coverage you’re being quoted and determine whether it offers the protection you need," says Rick Kautzer, director of product management at Dairyland Insurance, an insurer offering SR-22 filings.

Average cost of SR-22 insurance in Missouri by violation

Below are average car insurance rates for three different violations that require an SR-22.

ViolationAverage annual premium
DWI first offense$3,376
DWI second offense$4,676
Reckless driving$3,559
Driving without insurance$2,802

Average SR-22 insurance cost in Missouri for different violations

See the tables below to compare rates from top companies for an SR-22 with various violations.

SR-22 insurance cost by company for DWI, first offense

Below are average car insurance rates by company for a first offense DWI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,482$123
State Farm$1,762$147
Travelers$2,207$184
American Family$2,260$188
Allstate$2,413$201
Nationwide$2,745$229
Progressive$3,455$288
Auto Club Entreprises$3,840$320
Geico$4,604$384
Auto-Owners$4,895$408
Kemper$7,471$623

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for DWI, second offense

Below are average car insurance rates by company for a second offense DWI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,719$143
State Farm$1,762$147
American Family$2,738$228
Travelers$3,116$260
Allstate$3,224$269
Nationwide$3,810$317
Progressive$4,764$397
Auto Club Entreprises$5,136$428
Geico$7,314$610
Kemper$7,824$652
Auto-Owners$10,028$836

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for reckless driving 

Below are average car insurance rates by company for reckless driving with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,267$106
State Farm$1,762$147
Travelers$2,207$184
Allstate$2,413$201
Nationwide$2,745$229
American Family$2,898$242
Auto Club Entreprises$3,840$320
Progressive$4,196$350
Geico$4,604$384
Auto-Owners$4,895$408
Kemper$8,320$693

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for driving without insurance

Below are average car insurance rates by company for driving without insurance with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,028$86
Nationwide$1,696$141
State Farm$1,762$147
Travelers$1,946$162
Allstate$2,118$176
Auto-Owners$2,140$178
American Family$2,260$188
Geico$2,555$213
Auto Club Entreprises$3,409$284
Progressive$3,740$312
Kemper$8,168$681

*USAA offers car insurance only to military members, veterans and their families

Tips to lower SR-22 insurance costs in Missouri

Because the need for an SR-22 follows a major violation, car insurance after an SR-22 is expensive. The good news is that many of the methods for getting cheaper car insurance still apply after an SR-22. They include:

  • Raising your deductible
  • Working to improve your driving record (and avoid any further tickets or accidents)
  • Discounts, including for bundling your auto and home  insurance
  • Usage-based programs that monitor your driving habits in return for a discount
  • Shopping around

Shopping around is the quickest and easiest way to get cheaper Missouri car insurance, even with an SR-22.

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Auto insurance FAQs

What happens if I fail to maintain SR-22 insurance in Missouri?

If your insurance lapses, the insurance company will report it to the MVDL. Your license will be suspended or even revoked permanently.

Can I switch insurance providers while I have an SR-22 filing?

Yes. Switching insurance providers with an SR-22 filing is permitted. Just make sure there is no lapse in coverage and that the new insurance company files the SR-22 form.