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Cheapest SR-22 insurance in Missouri

The cheapest car insurance in Missouri for drivers who need an SR-22 is State Farm, but USAA and Farm Bureau also have affordable rates.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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Cheapest SR-22 insurance in Missouri

We found that State Farm has the cheapest SR-22 insurance in Missouri. On average, a policy with an SR-22 from State Farm costs $100 per month or $1,200 a year. That’s 54% cheaper than the statewide average in Missouri.

USAA, Farm Bureau, and Travelers also have cheaper-than-average rates for SR-22 car insurance in Missouri. Since rates vary so much by driver and company, it’s a good idea to compare quotes before you buy coverage to be sure you get the best deal on SR-22 insurance.

A bar graph showing the companies with the cheapest SR-22 insurance in Missouri. The cheapest company is State Farm.

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Company

Average monthly cost of SR-22 insurance

Average yearly cost of SR-22 insurance

State Farm

$100

$1,200

USAA

$107

$1,281

Farm Bureau

$118

$1,419

Travelers

$145

$1,742

Electric Insurance

$154

$1,849

Allstate

$198

$2,377

Progressive

$201

$2,414

American Family

$203

$2,435

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Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Missouri

We found the cheapest companies for SR-22 insurance in Missouri by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.

Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident

  • Property damage liability: $50,000 per accident

  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.

What is SR-22 insurance in Missouri

SR-22 insurance isn’t a type of car insurance. Instead, an SR-22 is a form that your insurance company files for you proving you have insurance coverage. In Missouri, you must carry at least the following amount of insurance:

  • Bodily injury liability (BIL): $25,000 per person, $50,000 per accident

  • Property damage liability (PDL): $25,000 per accident for property

  • Uninsured motorist bodily injury (UIMBI): $25,000 per person, $50,000 per accident

You might have to get an SR-22 in Missouri if you’re caught driving without insurance, if you’re found guilty for failing to pay for the damages from an accident, for driving while intoxicated, or if you get too many points on your license. [1]

Most of the time you’ll have to keep your SR-22 on file for two years after your violation or the date when your license is reinstated. For failing to provide proof of insurance or giving fake proof of insurance, an SR-22 is required for three years.

How to get SR-22 insurance in Missouri

You can follow these steps to find SR-22 insurance in Missouri:

  1. Find a company that offers coverage: Not all companies in Missouri offer car insurance to high-risk drivers who need an SR-22. You might have to shop around for a while before you find coverage.

  2. Pay all of your fees and any judgments: If you need SR-22 insurance for more than one reason, like a DUI and a failure to stay insured, you’ll have to pay separate fees in addition to the cost of filing your SR-22 form.

  3. Keep your SR-22 for enough time: Depending on your violation, you’ll have to keep an SR-22 on file for two or three years. If you let it lapse, you’ll have to pay a fine and keep your SR-22 for even longer.

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Non-owner SR-22 insurance in Missouri

Even if you don’t own a car, you may still have to get SR-22 insurance after violation or license suspension. In that case, you might need what’s called non-owner SR-22 insurance.

Non-owner SR-22 insurance is a special kind of limited coverage that lets people who don’t own a car fulfill their SR-22 requirement in Missouri. A non-owner car insurance policy comes with bodily injury liability, property damage liability, and uninsured motorist coverage — but not comprehensive or collision (since there’s no car to protect).

Since non-owners insurance comes with less protection than a standard policy, it tends to be cheaper. But it’s also harder to find a company that will file an SR-22 with a non-owner policy. You may have to call a few companies or work with an agent to find coverage.

Frequently asked questions

How much is SR-22 insurance in Missouri?

On average, SR-22 insurance in Missouri costs $218 per month or $2,615 a year. Drivers can find cheaper SR-22 coverage with many companies, including State Farm, USAA, and Farm Bureau.

How long does an SR-22 last in Missouri?

An SR-22 in Missouri lasts for two to three years depending on your violation. If your coverage lapses, the required time you need an SR-22 may be extended.

How do I file for an SR-22 in Missouri?

You don’t have to file an SR-22 yourself, your car insurance company will do it for you. All you have to do is let your insurer know you need one. Not every company files SR-22s, but many large companies do.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Missouri Department of Revenue

    . "

    License Reinstatement Requirements

    ." Accessed May 10, 2023.

Corrections

No corrections since publication.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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