Cheapest SR-22 Car Insurance in Missouri

Progressive offers the cheapest SR-22 insurance in Missouri at $43 monthly for minimum coverage, about 49% less than the state average. American Family has the lowest full coverage rate at $99.

State Farm offers Missouri's cheapest non-owner SR-22 insurance at $43 monthly or $518 annually. Those who need SR-22 insurance but don't own a car can buy non-owner insurance to meet state minimum coverage requirements. 

The table below shows providers and average costs for minimum coverage.

The average cost of car insurance in Missouri for drivers with an SR-22 is $1,025 annually for minimum coverage, 43% more than the $715 average for drivers with clean records.

SR-22 holders pay an average of $2,227 annually for full coverage, 39% higher than the $1,603 average for drivers with clean records.

Having an SR-22 form doesn't raise your insurance rate directly. The cost depends on the type of violation. The table below compares the price of SR-22 insurance for common violations across age groups in Missouri.

An SR-22 form shows you have car insurance meeting the state's minimum coverage requirements. In Missouri, drivers with certain violations must file an SR-22 to reinstate their license. Insurers see these drivers as high-risk, often resulting in higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It's a certification your insurer files to show you have enough coverage to meet the reinstatement requirements of Missouri's Financial Responsibility law.

In Missouri, an SR-22 is mandatory for two to three years after serious traffic violations. This form certifies to officials that you have the state's minimum coverage. To comply with SR-22 laws, drivers must meet these requirements:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $50,000 underinsured/uninsured motorist coverage per person
• $100,000 underinsured/uninsured motorist coverage per accident

In Missouri, SR-22 certificates are usually required for two to three years, depending on the violation.

Along with using an SR-22 for two to three years to comply with Missouri's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Missouri during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the SR-22 requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage for the entire period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tougher than for drivers with clean records, as insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Missouri may have limited options and higher premiums. For first-time SR-22 filings, ask your insurer about the fee. Use these tips to save on SR-22 insurance:

Non-owner insurance covers those who drive but don’t own a car. It’s ideal for frequent renters or rideshare drivers, covering third-party injuries or property damage they cause.

Non-owner car insurance is often cheaper than standard policies. Comparing quotes can help you find the best rates. After purchasing a policy, your insurer can file an SR-22 to meet state requirements and reinstate your license after three years.

In Missouri, severe driving offenses require an SR-22 to prove state minimum coverage for two to three years. While rates are higher, cheap car insurance options in Missouri are available.

Below are frequently asked questions about SR-22 certifications in Missouri:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Missouri drivers with various profiles and needs.

Missouri Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Missouri's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $50,000 underinsured/uninsured motorist coverage per person
• $100,000 underinsured/uninsured motorist coverage per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.