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 find no-frills policy at a decent price with multiple payment options.

• Supports high-risk policyholders
• Many discounts available
• Multiple payment options including money transfers

• Save 3-8% for switching
• High risk drivers welcome
• Minimum & SR-22 coverage

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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	Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.	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	Convenient online quotes, coverage and claims for tech-savvy drivers.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto				12 months, 6 months, monthly (fee applies)	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	High-risk drivers can find no-frills policy at a decent price with multiple payment options.	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	Your agent can help you get the right amount of coverage and best discounts.	More Info	Compare	loading Fetching your data...
Dairyland		Optional		custom	AL, AZ, AR, CA, CO, CT, DE, FL, 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				monthly, custom	All 50 states	Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional		12 months, 6 months, custom	All 50 states	USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.	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.