SR-22 in Missouri: What You Need to Know
An SR-22 is typically required in Missouri when a driver has a serious traffic violation, such as a reckless driving charge or a DUI, on their record.
Written by Hillary Kobayashi
Reviewed by Kathleen Flear
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An SR-22 is typically required in Missouri when a driver with a serious traffic violation—such as a reckless driving charge or a
DUI
—on their record begins the process to reinstate their license. An SR-22 is a certificate that your insurance company will file with the DMVguaranteeing that you have at least minimum coverage insurance.
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car insurance
policy and an insurer that will help you out with an SR-22 certificate, try Jerry
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What is SR-22 insurance in Missouri?
An SR-22 in Missouri provides a driver with legal recognition that they carry the state’s minimum amount of liability insurance.
Missouri’s coverage minimums are the following:
- Property damage liability: $10,000 per accident
- Bodily injury liability: $25,000 per person / $50,000 per accident
Who needs it?
Drivers in Missouri who have been convicted of a serious driving violation, such as a DUI, might need to get
SR-22 insurance
.SR-22 certificates are required for Missouri drivers who are considered high risk. For example, they might have had their license suspended or revoked after a serious traffic violation. To get their license reinstated, high-risk drivers need to acquire an SR-22 certificate.
Key Takeaway You might need SR-22 insurance in Missouri if you have been convicted of a serious traffic violation.
How to get it
To get SR-22 insurance in Missouri, your insurance company will need to file your SR-22 documents with the Missouri DMV on your behalf. Prior to this, you will need to purchase at least the state's minimum liability car insurance coverage.
Most insurance companies operating in Missouri will provide SR-22 insurance upon request. That being said, you might run into problems finding an insurer if your license has been suspended or revoked. We recommend that you try shopping around for car insurance with the
Jerry
app, as it is the easiest way to receive quotes from top insurance companies. Drivers in Missouri are required to keep SR-22 insurance on file for one to three years. The length of time a driver is required to maintain the SR-22 is based on the violations or reason for the driver’s license suspension.
Key Takeaway If your license has been suspended or revoked, you might struggle to find an insurer, and if you cannot find an insurer, you cannot request an SR-22 certificate.
How much does it cost?
The filing fee for an SR-22 certificate in Missouri is a small, one-time fee of approximately $25, but it will usually be accompanied by an expensive hike in your insurance premium. You may also have to pay a reinstatement fee.
The increase in your coverage costs will depend on the violations on your record.
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How an SR-22 impacts your insurance in Missouri
An SR-22 will impact both your car insurance rates and your choice of insurers.
If you have an SR-22, you will pay higher insurance premiums than a driver who has a clean record.
Also, not all insurance companies will insure drivers who need an SR-22 certificate, so you will be limited in your selection of insurers.
How to find cheap car insurance
Serious offenses on your driving record, such as reckless driving and DUIs, will result in your
car insurance
rates going up. That’s why shopping around to find the most affordable policy is super important.If you want to save money on car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.
"An ad for Jerry pops up, and I just thought to try it to see if my current policy is actually the lowest around. Surprisingly not!Jerryfound me an even better deal, for the same coverage! It’s just such a deal I decided to make a switch right away. They handle everything for you. Can’t believe I didn’t find this app before!"— Jerry user
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