How to Get Non-Owner SR-22 Insurance in Missouri
If you live in Missouri and are required to file an SR-22 but don’t own a vehicle, non-owner car insurance is your best bet—click here to learn more.
Written by Andrew Biro
Reviewed by Shannon Martin
If your Missouri driver’s license is suspended due to a motor vehicle accident judgment or another serious traffic violation, but you don’t own a car, you will be required to file a non-owner SR-22 as proof of liability insurance—unfortunately, not every insurance company offers it.
Like many states, Missouri requires all drivers to purchase a minimum amount of car insurance, but
proof of this insurance
is generally only required at traffic stops, vehicle inspections, and accident scenes. Drivers deemed high-risk, however, need something more: an SR-22, even if they do not own a car.But how does that work? How does one obtain an SR-22 proof of insurance without owning a vehicle? In an effort to answer those questions, we have assembled the following guide detailing everything you need to know about obtaining non-owner SR-22 insurance in Missouri.
What is SR-22 insurance?
While it’s common to see “SR-22” used in conjunction with insurance policies, an
SR-22
isn’t actually insurance at all—it’s a certificate of financial responsibility, filed with Missouri’s DMV by your auto insurance company.In the fundamental sense, an SR-22 filing confirms that you have purchased a car insurance policy that meets Missouri’s
minimum liability insurance
requirements. Should you ever commit a major moving violation—such as driving under the influence—you will need to file an SR-22 certificate to reinstate your driving priviliges.Missouri auto insurance requirements
Under Missouri state law, all registered drivers must purchase the following amounts of liability insurance:
- Bodily injury liability coverage—$25,000 per person / $50,000 per accident
- Property damage liability coverage—$25,000 per accident
- Uninsured motorist coverage—$25,000 per person / $50,000 per accident
There are, of course, other types of auto insurance coverage out there (all of which are a good idea for vehicle owners), but liability coverage is the only type required under state law—in short, you can purchase a liability-only policy and still meet your SR-22 requirements.
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Who needs an SR-22?
Generally speaking, the only people who need—or rather, those who are required to file an SR-22— are those drivers considered to be high-risk. High-risk drivers are drivers who have had their license suspended following a motor vehicle accident judgment or some other serious traffic violation, such as driving without a license or
driving under the influence
.An SR-22 is required if you hope to reinstate your driving privileges, regardless of whether you have a car to insure.
How to get non-owner SR-22 insurance in Missouri
If you have been requested to file an SR-22 by the state of Missouri but don’t own a vehicle, the simplest solution is to purchase
non-owner car insurance
, which is precisely what it sounds like—liability insurance for those who don’t own or have regular access to a vehicle.Many insurance providers offer this type of non-owner policy, but not all of them meet SR-22 requirements. Companies that do offer non-owner SR-22 insurance in Missouri include State Farm,
Progressive
, and USAA.The process by which you can obtain a non-owner SR-22 policy is as follows:
- Contact your local insurance agencies to verify whether they offer non-owner insurance to drivers seeking to fulfill SR-22 requirements.
- Obtain a few (3 - 4) quotes before deciding on a policy, as comparing car insurance quotes is one of the easiest ways to find affordable policies.
- Check whether you are eligible for any insurance discounts. For example, some insurance providers provide lower premiums to drivers who pass a defensive driving course or pay their bill in full.
Once you’ve got a non-owner SR-22 car insurance policy, you’ll need to maintain it for at least two years after the date of your suspension. Once the SR-22 is no longer required, it’s still a good idea to keep the NNO policy going if you borrow or rent cars frequently.
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Can anyone get an SR-22 in Missouri?
An SR-22 is only required for Missouri drivers who have had their license suspended because of a motor vehicle accident or serious traffic violation, such as a DUI or
reckless driving
charge. Minor traffic violations may raise your insurance rates over time, but you won’t need an SR-22 unless you’ve committed a major offense.How long does an SR-22 last in Missouri?
If your license was suspended for a motor vehicle accident judgment—whether in Missouri or out-of-state—you must maintain an SR-22 certificate/proof of insurance with the Driver License Bureau for two years after the start date of your suspension.
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