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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.
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.
SR-22s are often required after a driving conviction, such as driving without insurance or a DWI. After such a conviction, you’re considered a “high-risk” driver by the state of Missouri and most providers — typically resulting in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.
Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could cost you a lot of time and money.
You might see listed as 25/50/10 in insurance documents.
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.
In Missouri, you’re required to carry SR-22 insurance for a minimum of two to three years, depending on your offense.
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.
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:
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:
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.
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.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
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.
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