SR-22 insurance in Missouri: Quotes, rankings and information

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
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AAA
4.12 ★★★★★
4.12 ★★★★★
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#3
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Grinnell Mutual
4.11 ★★★★★
4.11 ★★★★★
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#4
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4.10 ★★★★★
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#5
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4.09 ★★★★★
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#6
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4.06 ★★★★★
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#7
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#8
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Allstate
4.00 ★★★★★
4.00 ★★★★★
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#9
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4.00 ★★★★★
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#10
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3.98 ★★★★★
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#11
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Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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#12
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3.95 ★★★★★
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#13
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3.82 ★★★★★
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#14
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Dairyland
3.82 ★★★★★
3.82 ★★★★★
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#15
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3.79 ★★★★★
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#16
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3.57 ★★★★★
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#17
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3.53 ★★★★★
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#18
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3.48 ★★★★★
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#19
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3.30 ★★★★★
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#20
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3.25 ★★★★★
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#21
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2.64 ★★★★★
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#22
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Good2Go
2.52 ★★★★★
2.52 ★★★★★
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#23
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2.50 ★★★★★
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#24
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2.43 ★★★★★
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What are Missouri SR-22 requirements?

Are you required to have SR22 insurance in Missouri? If you’ve committed a driving violation, such as a DUI or driving without insurance, you may be required by the state or court to file an SR-22 form. An SR22 guarantees to the state that you have at least the minimum liability car insurance coverage required in Missouri.

If you’re required to file an SR-22 form in Missouri, you’ve probably heard the term SR22 insurance used. While it’s not actually a different type of insurance from your traditional car insurance, it’s often called SR22 insurance because it affects your car insurance coverage and cost. In Missouri, the average cost for car insurance when you need an SR22 after a DUI is 52.5 % higher than car insurance for drivers with a clean record.

In Missouri, you’ll be required to have SR22 insurance for two to three years, depending on your violation. If you were driving without car insurance, you’ll need it for three years. If you committed an alcohol offense, a moving violation or have a car accident judgement against you, you’ll need it for two years. You must maintain your SR22 insurance throughout the duration of your required filing period. If your policy is cancelled and you have a lapse in coverage, you could have an additional license suspension and could have to start the SR22 insurance policy over again.

If you fulfill all your requirements associated with your violation, keep a clean driving record and maintain your Missouri SR-22 insurance for your filing period, your car insurance rates may decrease once your filing period is over.

However, if you don't own a vehicle, it may be harder to get an SR-22 because you will need proof of insurance to obtain the certificate. If this is the case, you should purchase a non-owner car insurance policy before filing for an SR-22 certificate. A non-owner policy may be less expensive than a standard auto insurance policy, because it doesn't provide coverage for material damages to your vehicle.

Start comparison shopping for affordable car insurance rates using our online tool. Just enter your ZIP code to get started.

What are the SR-22 insurance limits in Missouri?

Missouri requires all drivers to carry the minimum levels of insurance coverage. Drivers who fail to have at least the minimum car insurance coverage may face license suspension. Drivers in Missouri must have at least the following liability coverages:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage per accident

Who needs an SR22 in Missouri?

If you’re convicted of a traffic violation in Missouri, you may be required to get SR-22 insurance. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance for the following reasons:

  • Conviction for driving under the influence (DUI or DWI)
  • Driving without car insurance
  • Driving with a revoked or suspended license
  • Having repeated traffic violations in a certain amount of time, including speeding tickets
  • Numerous at-fault accidents
  • A fatal at-fault accident or one that results in injuries
  • Reckless driving or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

How are Missouri SR-22 insurance rates calculated?

If you’re looking for SR-22 insurance rates in Missouri, it means you’re considered a high-risk or non-standard driver. Most insurance providers tend to charge high rates to risky drivers to cover for the potential of future incidents. The insurance rates for SR-22 differ from one insurance company to another. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.

Car insurance with an SR-22 filing in Missouri is expensive, but this isn't a result of the filing fees, but instead from the insurance premium increases from the driving citation that prompted the SR-22 requirement. The price increase depends on the number and severity of your violations.

One of the most common reasons drivers need SR-22 insurance is if they’ve been arrested or convicted of a DUI. Missouri drivers with one DUI conviction pay an average of $1,762 per year for car insurance. That’s 52.2% more for car insurance than drivers with clean records, on average. The insurance cost varies based on the company you choose. In the table below, you can find average rates for Missouri drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Progressive $1,195
Allstate $1,346
Farmers $1,385
USAA* $1,479
Safeco $1,527
American Family $1,745
State Farm $1,761
Nationwide $1,959
Geico $1,996
Auto-Owners $2,389
Shelter $2,598
AAA $2,999

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Missouri will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in Missouri?

The first step to filing for an SR-22 certificate of financial responsibility is to look for auto insurance companies that provide the service. You can check to see if your current insurance company offers SR-22 insurance. Even if it does, it may be helpful to shop around and get quotes from multiple car insurance companies. You may be able to find a company that will offer you a cheaper rate.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Missouri with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Missouri, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange "Click for quote" button next to the company, call the number available, or visit the company's website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

Are there any SR-22 fees in Missouri?

SR-22 is a costly insurance policy that may include fees in addition to the cost of the insurance policy. You may be required to pay a processing fee to your insurance company to file the SR-22 form. The fee may vary from about $30 to $50, depending on the company. If your license was suspended, you may also need to pay a reinstatement fee to reinstate your driving privileges.

How are car insurance rates calculated?

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you with a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision coverage and comprehensive coverage)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require their drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How do we rank car insurance companies?

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Car Insurance Guide

Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage/underinsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
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