Missouri SR-22 Insurance After DUI or Suspension
Missouri requires 25/50/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Missouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$20
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Missouri
The Missouri Department of Revenue requires SR-22 filing after DUI convictions, license suspensions for point accumulation, uninsured accidents, and serious moving violations. Drivers must maintain continuous SR-22 filing for typically 3 years, and any lapse triggers license re-suspension and restarts the filing clock.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
What Drivers Pay in Missouri
$230–$343/mo
Typical monthly rate in Missouri, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- SR-22 filing duration remaining: drivers within 6 months of completing their 3-year requirement may access better rates from standard carriers
- Claims history during SR-22 period: maintaining a claims-free record during your 3-year filing period is critical for rate recovery after completion
- Credit-based insurance score: Missouri allows credit-based rating, and high-risk drivers with poor credit may see premiums double compared to those with good credit
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Limited Driving Privilege (LDP)
about 5 days to process.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Required for SR-22 filing and the foundation of financial responsibility in Missouri.
SR-22 Insurance
Certificate filed by your insurer with the Missouri Department of Revenue proving you maintain continuous coverage. Not a separate policy but an endorsement to your existing auto insurance.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal obligation and your vehicle's value. Essential for financed or leased vehicles.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, fire, and animal strikes. Protects your vehicle investment from perils beyond your control.
Non-Standard Auto Insurance
Specialized coverage for high-risk drivers who cannot qualify for standard carriers due to violations, lapses, or SR-22 requirements. Offers flexible payment plans and immediate SR-22 filing.