How to file for an SR-22 in Missouri

If you’ve had your driver’s license suspended in Missouri, you might be required to file for SR-22 insurance to get your license back. Here’s what you need to know about getting and maintaining an SR-22 in Missouri.

Cheap SR-22 car insurance in Missouri

Not every insurer offers SR-22 filing support. Compare cheap rates from Missouri insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared median rates for the same driver profile.

  • 63101 ZIP code
  • Male driver
  • 26–30 years old
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum requirements

Our top pick: SafeAuto

High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.

• Get accepted even if you're high-risk
• Lower rates with multi-car, homeowner or driving course discounts
• Make a 33% down payment on premiums for bonus savings
• Find flexible pay schedules and payments through money transfers

Get a quote
Read review

Compare Missouri SR-22 car insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Missouri car insurance.

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Name	Product	Roadside assistance	Accident forgiveness	Payment schedule	States served
The General		Optional		12 months, monthly	All states except HI MA MI and NJ	Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.	Get quotes More Info	Compare	loading Fetching your data...
Esurance				12 months, monthly	AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto				12 months, 6 months, Quarterly, monthly (fee applies)	AZ, CA, GA, IL, IN, KS, KY, LA, MD, MS, MO, OH, OK, PA, SC, TN, TX, VA	High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.	Get quotes More Info	Compare	loading Fetching your data...
Direct		Optional		monthly, custom	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.	More Info	Compare	loading Fetching your data...
EverQuote		Optional		12 months, 6 months, monthly, custom	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...
Dairyland				12 months, custom, Monthly	AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Flexible payment options and local agents make it easy for high-risk drivers to get covered.	More Info	Compare	loading Fetching your data...
Farmers				12 months, custom, Monthly	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...
USAA		Optional		12 months, 6 months, custom	All 50 states	Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.	Get quotes More Info	Compare	loading Fetching your data...

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When would I have to file an SR-22 in Missouri?

Your state DMV will let you know if you need to file an SR-22. You might be required by law to file an SR-22 if:

• You’re caught of driving without insurance.
• You’ve failed to pay damages from an accident that was your fault.
• You’re caught showing false insurance to a police officer.
• You’re convicted of driving while intoxicated.

What if I don’t have a car?

If you don’t own a car, but still plan on driving, you still must file an SR-22. In Missouri there are three kinds of SR-22 certificates:

• Operator’s Certificate for drivers who don’t own a car.
• Owner’s Certificate covers drivers who own a car.
• Operators-Owners Certificate covers drivers for any car they drive.

What if I’m from another state?

If you have an SR-22 from another state, it may be valid in Missouri. Call the Department of Revenue to see if your SR-22 is sufficient in Missouri.

How much does an SR-22 cost in Missouri?

Once you’ve purchased or renewed your policy, most providers will file the SR-22 for a fee between $20 and $50. However, the filing fee isn’t the expensive part of an SR-22 — you’ll typically see higher premiums than you’re used to.

Steps to file for an SR-22 in Missouri

1. Find an insurer. Ask your insurer if it issues SR-22s in the state of Missouri. If it doesn’t, you’ll need to find a car insurance company that does.
2. Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22.
3. Verify minimum liability coverage. The minimum level of coverage required by Missouri law is:
   • $25,000 per person for bodily injury.
   • $50,000 per accident for bodily injury.
   • $10,000 per accident for property.

   You might see listed as 25/50/10 in insurance documents.

4. Submit your SR-22. In Missouri, your insurance provider can file the SR-22 electronically on your behalf.
5. Wait for confirmation. You’ll receive a letter from your insurer and the Missouri DMV that your SR-22 is accepted.

How long will I need an SR-22 for in Missouri?

In Missouri, you’re required to carry SR-22 insurance for a minimum of two to three years, depending on your offense.

What happens if I let my SR-22 lapse?

Your license will likely be suspended if your coverage lapses for any reason. Gaps in coverage can occur if you policy expires or your provider cancels your policy because of consistently late payments.

Any reinstatement fees will have to be paid and your coverage will need to be renewed for you to earn your license back.

What happens when I don’t need SR-22 coverage anymore?

Contact the Missouri Driver License Bureau to confirm that you no longer need a certification on file. Once you’re given the all clear you can work with your insurance agent to adjust your policy as needed.

Bottom line

Two to three years of keeping an SR-22 on file is likely a lot less of a hassle than a suspended license. It doesn’t have to be overly intensive either, so long as you keep up on your payments and renew your policy on time every year.

Before you jump on board with a provider, shop around. Your rates will likely be higher after being marked as high risk, so it’s important to compare your options.