SR-22 Insurance Missouri
SR-22 insurance in Missouri helps high-risk drivers get back on the road legally. We work with carriers that specialize in SR-22 filings and won't charge you a fortune for the coverage you need.
An SR-22 isn't actually insurance. It's a certificate proving you carry at least the minimum liability coverage required by Missouri law. The state requires it after certain violations to ensure you remain insured. Your insurance company files it directly with the Missouri Department of Revenue.
Most carriers don't want SR-22 drivers. They see you as high risk and either refuse coverage or charge sky-high rates. That's where we help. We work with multiple carriers that accept SR-22 filings and compete for your business.
Why You Need an SR-22 in Missouri
Missouri requires an SR-22 certificate after certain violations. Common reasons include:
• DUI or DWI conviction - The most common reason for SR-22 requirements in Missouri.
• Driving without insurance - Getting caught uninsured triggers an SR-22 requirement.
• Reckless driving - Serious moving violations can require SR-22 proof.
• Multiple traffic violations - Accumulating too many points on your license.
• At-fault accident without insurance - Causing an accident while uninsured.
• License reinstatement - Often required to get your license back after suspension.
Missouri typically requires an SR-22 for three years. During that time, you must maintain continuous coverage. Any lapse, even for a day, triggers notification to the state. Your license gets suspended again, and the three-year clock restarts.
How SR-22 Filing Works
When you purchase a policy from an SR-22 carrier, they file the certificate electronically with Missouri. The filing usually happens within 24-48 hours. Once the state receives confirmation, you can get your license reinstated.
The carrier monitors your policy throughout the SR-22 period. If you cancel, let the policy lapse, or miss a payment, they notify Missouri immediately. That's why continuous coverage is critical.
What to Expect with SR-22 Insurance
• Higher premiums - Yes, rates are higher than standard policies. But they vary significantly between carriers. Shopping matters more than ever.
• Three years of continuous coverage - Missouri requires the SR-22 for 36 months. Mark your calendar.
• Filing fee - Most carriers charge a one-time fee around $25-50 to file the SR-22.
• Automatic reporting - Your carrier reports directly to Missouri. You don't file anything yourself.
• Improving rates over time - As your record improves and violations age, your rates decrease.
How We Help SR-22 Drivers
We work with Progressive, National General, Foremost, The General, and other carriers that specialize in SR-22 coverage. Not all of them charge the same rates. We compare them all and find the one that treats you fairly.
We also help you understand your timeline. When does the SR-22 requirement end? When can you switch to a standard policy? We track it for you and reshop your coverage when you're eligible for better rates.
The Process
Call us or request a quote online (fastest)
We gather your driving history and violation details
We shop carriers that accept SR-22 filings
You pick the best option
We file the SR-22 with Missouri for you
You get back on the road legally
Ready to Get Your SR-22?