Why you can trust Insure.com
Quality Verified
At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.
It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.
The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.
In Missouri, Nationwide offers the most affordable SR-22 insurance policies at $1,382 per year and Travelers at $1,487 per year.
Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.
What’s an SR-22?
An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.
You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.
Key Takeaways
- An SR-22 isn’t a separate insurance policy but a form your insurer files with the state to show you have the minimum coverage.
- You might need an SR-22 in Missouri due to DUI, reckless driving, or license suspension/revocation.
- Filing an SR-22 isn’t expensive, but those with an SR-22 often pay higher premiums.
Do I need to buy SR-22 insurance in Missouri?
As previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.
Examples of offenses that might require an SR-22:
- DUI, DWI, or other serious moving violations
- Reckless driving
- Accidents resulting in suspension or revocation
- Accumulation of too many driving violation points
- Driving without insurance
If you have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.
You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.
Average SR-22 car insurance cost in Missouri
The average cost of SR-22 car insurance in Missouri is $2,504. This is $1,489 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.
However, it’s also $1,537 cheaper than in Michigan, the most expensive state for SR-22 insurance.
However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.
Cheapest SR-22 insurance companies in Missouri
Having an SR-22 usually raises your insurance rates, but not all companies charge the same rates. The companies below offer some of the cheapest rates in Missouri.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,382 | $115 |
| Travelers | $1,487 | $124 |
| State Farm | $1,905 | $159 |
| American Family | $2,004 | $167 |
| Allstate | $2,048 | $171 |
| Auto-Owners | $2,140 | $178 |
| Auto Club Enterprises (AAA) | $2,514 | $210 |
| GEICO | $2,602 | $217 |
| Progressive | $3,546 | $296 |
| Kemper Insurance | $7,042 | $587 |
| USAA* | $877 | $73 |
Note: USAA is only available to military community members and their families.
You might find interesting
Cheap SR-22 insurance in Missouri by city
As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Missouri.
| City | Average annual premium |
|---|---|
| Holts Summit | $992 |
| Clifton Hill | $1,023 |
| New Franklin | $1,040 |
| Farmington | $1,070 |
| West Plains | $1,082 |
| Mountain View | $1,082 |
| Kansas City | $1,088 |
| Blue Springs | $1,092 |
| St. Joseph | $1,100 |
| Springfield | $1,126 |
| Labadie | $1,229 |
| St. Louis | $1,613 |
SR-22 insurance requirements in Missouri
The Missouri DMV mandates all drivers in Missouri to have the following minimum car insurance coverage:
- $25,000 for injury or death per person
- $50,000 for injury or death per accident
- $25,000 for property damage per accident
These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.
How much does SR-22 in Missouri cost with a DUI?
Insurance companies charge different premiums for drivers with a DUI.
Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the SR-22.
| Company | SR-22 with 1 DUI | SR-22 Filing only |
|---|---|---|
| State Farm | $2,060 | $1,905 |
| Travelers | $2,151 | $1,487 |
| Allstate | $2,464 | $2,048 |
| American Family | $2,545 | $2,004 |
| Nationwide | $2,759 | $1,382 |
| Auto Club Enterprises (AAA) | $3,840 | $2,514 |
| Progressive | $4,053 | $3,546 |
| GEICO | $4,665 | $2,602 |
| Auto-Owners | $4,895 | $2,140 |
| Kemper Insurance | $7,391 | $7,042 |
| USAA* | $1,509 | $877 |
Note: USAA is only available to military community members and their families.
How to get the cheapest SR-22 insurance in Missouri
If you need an SR-22 in Missouri, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.
First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.
Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.
Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:
- Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
- Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
- Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.
Non-owner SR-22 insurance in Missouri
Some states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.
Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.
It’s generally a cheaper option than a standard car insurance policy since it only covers liability.
Read more about how non-owners car insurance works in Missouri
Who needs SR-22 insurance?
Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.
For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.
Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.
How long do you need SR-22 insurance in Missouri?
You typically need to maintain an SR-22 for three years.
In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.
The bottom line on SR-22 in Missouri
Missouri’s average SR-22 insurance rate is $2,504, compared to the overall average car insurance cost in Missouri, which is $2,372. That means Missouri’s SR-22 rate is $132 more per year.
But remember that there are a lot of factors that can affect insurance premiums.
What our expert says
Q: How can you save on SR-22 insurance?
Resources and Methodology
Sources:
- Shouse Law Group. “SR22 Missouri.” Accessed January 2025.
- Progressive Insurance. “What is an SR-22?” Accessed January 2025.
Methodology
Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.
Compare SR-22 insurance rates with other states
- What's an SR-22?
- Do I need to buy SR-22 insurance in Missouri?
- Average SR-22 car insurance cost in Missouri
- Cheapest SR-22 insurance companies in Missouri
- Cheap SR-22 insurance in Missouri by city
- SR-22 insurance requirements in Missouri
- How much does SR-22 in Missouri cost with a DUI?
- How to get the cheapest SR-22 insurance in Missouri
- Non-owner SR-22 insurance in Missouri
- Who needs SR-22 insurance?
- How long do you need SR-22 insurance in Missouri?
- The bottom line on SR-22 in Missouri
- What our expert says
- Resources and Methodology