Cheapest SR-22 insurance in Missouri

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In Missouri, the cheapest SR-22 insurance is offered by Nationwide at $1,382 per year, followed by Travelers at $1,487. Rates vary based on your driving history, location and insurance company.

An SR-22 is not a type of insurance. It’s a form your insurer files with the state to prove you meet the minimum required coverage, often after violations like a DUI, reckless driving or driving without insurance. Because drivers who need an SR-22 are considered higher risk, insurance premiums are usually more expensive.

Most drivers need to keep an SR-22 on file for about three years, though the exact period depends on your state and the violation. The good news is that the higher rates aren’t permanent. As the violation ages and you keep a clean record, your premiums typically come back down, and comparing quotes regularly along the way helps make sure you’re never paying more than you need to.

How to keep your costs down during your SR-22 period

Compare quotes from at least three insurers before deciding on one. Rates after an SR-22 vary more than you’d expect – the first offer you get won’t be the most affordable one.
Find out how long the surcharge will apply. Some insurers revisit your rate after three years, others after five. How long you carry the increase can matter just as much as the rate itself.
Stay violation-free. A clean driving record from this point forward is the most effective tool you have for lowering your premium over time.
Keep your coverage active. A lapse while your SR-22 is on file can reset your entire filing period and make you look like an even greater risk to future insurers.
Keeping a clean driving record and comparing quotes at renewal can help lower your rates over time.

What is an SR-22?

An SR-22 is a document your insurance company files with the state to show you have the minimum coverage required to legally drive. It’s typically required after violations like a DUI, DWI, reckless driving, or driving without insurance.

An SR-22 isn’t an insurance policy – it’s a form your insurer submits to the state confirming you meet the minimum coverage requirements. Because needing one flags you as a higher-risk driver, you can expect your premiums to rise, and some insurers may decline to cover you altogether.

How does SR-22 insurance work in Missouri?

SR-22 insurance in Missouri costs an average of $2,504 per year
Nationwide offers the cheapest SR-22 coverage in Missouri at $1,382 annually
An SR-22 is a state-required filing that proves you carry minimum car insurance coverage

When do you need an SR-22 in Missouri?

You may need an SR-22 in Missouri after serious driving violations such as a DUI, reckless driving, driving without insurance or accumulating too many points on your license.

The specific offenses that require one vary by state, but these are the most common:

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

After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

What happens if you don’t maintain SR-22 coverage?

Most drivers are required to maintain an SR-22 filing for around three years, though the exact timeline varies by state and the nature of the violation. Throughout that period, your coverage must stay active – any lapse will prompt your insurer to notify the DMV, which can trigger penalties like license suspension, reinstatement fees, or an extended filing requirement.

In many states, even a single gap resets the three-year clock entirely, meaning a lapse halfway through could cost you another full cycle. On top of that, a coverage gap marks you as an even greater risk, leading to higher premiums when you re-insure and potentially making it harder to find a carrier willing to cover you at all.

How much does an SR-22 insurance cost in Missouri?

The average SR-22 car insurance rate in Missouri is $2,504 per year. That’s $1,489 more than in New Hampshire, which has the lowest SR-22 rates in the country, but $1,537 less than in Michigan, the most expensive state for SR-22 coverage.

Your actual rate will depend on why you need the SR-22, your overall driving record, and your location.

A DUI carries a much more dramatic surcharge than a lapse in coverage, and a city with higher accident and theft rates will cost more than a quieter rural area. Because those factors differ so much from driver to driver, the only reliable way to find your lowest rate is to compare quotes from several insurers.

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Cheapest SR-22 insurance companies in Missouri

Nationwide has the lowest SR-22 rates in Missouri at $1,382 per year. SR-22 coverage generally costs more than a standard policy, but rates can differ quite a bit from one insurer to the next.

The companies below offer some of the most affordable SR-22 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

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

Which cities have the cheapest SR-22 insurance in Missouri?

SR-22 rates in Missouri depend heavily on where you live. Urban areas tend to come with higher premiums due to increased traffic, higher theft rates, and more frequent claims. Smaller towns and suburbs usually sit on the cheaper end of the scale.

Below are the major cities in Missouri with the cheapest average SR-22 rates.

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

Will my SR-22 costs go down over time?

Your rates may drop after the SR-22 requirement ends, but they likely won’t return to pre-violation levels right away
The underlying violation can stay on your driving record for 3 to 5 years, or longer for serious offenses like a DUI
Once your SR-22 period ends, contact your insurer and provide DMV confirmation if required
Keeping a clean driving record and comparing quotes at renewal can help lower your rates over time

What are the minimum 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

State minimum coverage keeps you legal on the road, but it may not be enough to fully protect you in a costly at-fault accident. Higher coverage means a higher premium, but it also means you’re not paying out of pocket for damages that exceed your limits.

How much does an SR-22 in Missouri cost with a DUI?

Having a DUI on your record usually means paying considerably more for SR-22 insurance. The table below shows what drivers with a DUI can expect to pay annually in Missouri.

This table shows two different costs:

SR-22 with one DUI – the estimated annual premium if your SR-22 stems from a DUI conviction, including the rate increase applied by insurers in that situation.
SR-22 filing only – your base premium plus the filing fee, assuming no DUI. If your violation falls into a different category, this column is the better reference for understanding what the SR-22 requirement adds to your overall cost.

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

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

How to get the cheapest SR-22 insurance in Missouri

The SR-22 filing itself is relatively inexpensive – a one-time fee of $25 to $50. The real cost comes from the high-risk premium insurers attach to drivers who need one. That’s where there’s room to save. Comparing quotes, maintaining a clean record going forward and selecting the right level of coverage can all help bring your rate down. Since premiums for high-risk drivers vary significantly between insurers, shopping around is one of the most effective ways to manage what you pay.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurers price SR-22 coverage very differently. Getting quotes from several companies is the best way to find a competitive rate.
Pay upfront. Paying your full premium at once rather than in monthly installments can sometimes bring the total cost down.
Opt for non-owner insurance. If you don’t own a car but still need SR-22 coverage, a non-owner policy can be 5% to 15% cheaper than a standard one.

Compare insurers that specialize in high-risk drivers

Not every insurer treats SR-22 drivers the same way. Some specialize in high-risk coverage and can offer considerably lower rates than standard carriers. Getting quotes from at least three companies gives you a realistic picture of what you should actually be paying.

Can you get an SR-22 without owning a car?

If you need an SR-22 but don’t own a vehicle, you can still meet the requirement through non-owner SR-22 insurance. This type of policy provides the minimum liability coverage needed when driving someone else’s car and allows you to reinstate your license following violations like a DUI or multiple traffic offenses. Since it doesn’t cover a vehicle of your own, it usually costs less than a standard auto policy.

It’s a more common situation than most people realize. Many drivers find themselves needing to prove insurance coverage to get their license back after a violation, even without a car to their name. Non-owner SR-22 insurance is designed specifically for that gap.

Is SR-22 insurance expensive in Missouri?

An SR-22 requirement signals to insurers that you’ve had a serious violation. That can be a DUI, reckless driving, or a coverage lapse. Once your violation is on your record, your premiums will reflect it. Even so, rates differ more than you’d expect between insurers, and comparing quotes can go a long way toward keeping costs manageable.

A few other ways to lower what you pay are:

Cut your mileage where you can. Using public transport or carpooling may qualify you for pay-per-mile or low-mileage discounts.
Make use of every discount you’re eligible for. Bundling policies, signing up for autopay, and taking a defensive driving course are all simple ways to reduce your rate.
Keep your record clean going forward. Nothing is more important than maintaining a clean record if you want to lower your rate. A DUI can stay on your record for up to 10 years in many states, but steady, clean driving during that period is what will bring your premiums down over time.

Frequently asked questions

Can you get SR-22 insurance without owning a car?

Yes. Non-owner SR-22 insurance is available for drivers who don’t own a vehicle but still need to meet state insurance requirements. It provides liability coverage when driving someone else’s car and is usually cheaper than a standard policy.

What happens if your SR-22 insurance lapses?

If your SR-22 coverage lapses or your policy is canceled, your insurance company will notify the state DMV. This can lead to penalties such as license suspension, reinstatement fees or an extension of your SR-22 requirement period.

Can you switch insurance companies while you have an SR-22?

Yes, you can change insurers while maintaining an SR-22. Your new insurance company must file a new SR-22 with the state before your old policy is canceled to avoid a lapse in coverage.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“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.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Missouri.” Accessed June 2026.
Progressive Insurance. “What is an SR-22?” Accessed June 2026.

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.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.