SR-22 Insurance in Missouri
Quick answer: Missouri requires drivers with certain violations to file a SR-22 for 2 years. The filing fee is $20 and the average SR-22 policy costs about $150/month. The best carriers for Missouri are Dairyland (Sentry), Progressive, The General.
Missouri requires SR-22 for 2 years following a first DWI or points-related suspension.
Missouri SR-22 at a glance
| Form Required | SR-22 |
|---|---|
| Filing Fee | $20 (one-time) |
| Filing Period | 2 years continuous |
| Minimum Liability | 25/50/25 ($1,000s: BI/person / BI/accident / PD) |
| Avg Monthly Cost (SR-22) | $150 |
| Typical DUI License Suspension | 3 months (first offense) |
| DMV Website | dor.mo.gov/ |
Compare SR-22 quotes in Missouri
We match you with high-risk carriers who file SR-22 fast — same-day filing available.
Get My Free Quote →Or call 1-800-555-0139 to speak with a licensed agent.
Best SR-22 insurance companies in Missouri
These carriers are the top-rated SR-22 providers for Missouri drivers based on price, filing speed, and financial strength:
| Rank | Company | Starts At | SR-22 Filing | Notes |
|---|---|---|---|---|
| 1 | Dairyland (Sentry) | $75/mo | Yes | Purpose-built non-standard carrier. Fast electronic filing. |
| 2 | Progressive | $110/mo | Yes | Files SR-22 electronically in most states within 24-48 hrs. |
| 3 | The General | $85/mo | Yes | Low down-payment options and monthly billing. |
How to get an SR-22 in Missouri: step-by-step
- Confirm the requirement. Check your Missouri DMV letter or driver record for the exact filing requirement and start date.
- Get quotes from 3+ carriers. Focus on non-standard specialists: Dairyland (Sentry), Progressive, The General.
- Bind a policy and request SR-22 filing. Pay the $20 filing fee and any required down payment.
- Wait 24–48 hours for electronic filing. Missouri DMV updates records daily.
- Pay the Missouri reinstatement fee if required. Check your DMV letter — this is separate from the SR-22 filing fee.
- Maintain the policy continuously for 2 years. Any lapse restarts the clock and re-suspends your license.
Watch out for Missouri-specific rules
Missouri DUI suspensions last 3 months for a first offense. Do not let your policy lapse — Missouri DMV is notified within 10 days and will automatically re-suspend your license.
Missouri DUI insurance costs
After a DUI in Missouri, most drivers see their premium rise 70–110%. Average full-coverage premium climbs from about $79/month (clean record) to about $150/month (with SR-22). Some carriers non-renew after DUI, so non-standard specialists are usually your best bet.
Compare SR-22 quotes in under 2 minutes
We match you with high-risk carriers who file SR-22 fast — same-day filing available.
Get My Free Quote →Or call 1-800-555-0139 to speak with a licensed agent.
Frequently Asked Questions
How much does SR-22 insurance cost in Missouri?
The average SR-22 policy in Missouri costs about $150/month for full coverage, plus a one-time $20 filing fee. Non-standard carriers like Dairyland (Sentry) and Progressive typically offer the lowest rates.
How long is SR-22 required in Missouri?
Missouri requires SR-22 to be maintained for 2 years continuously. Any lapse in coverage restarts the 2-year clock and triggers an automatic license suspension.
What is the minimum liability in Missouri?
Missouri's minimum liability limits are 25/50/25 (bodily injury per person / per accident / property damage, in $1,000s). Your SR-22 must certify at least these limits.
Does Missouri use SR-22 or FR-44?
Missouri uses SR-22.
How do I file an SR-22 in Missouri?
In Missouri, your insurance carrier files the SR-22 electronically with the Missouri DMV. You never file it yourself. Choose a carrier that files SR-22 (see below), pay any down payment, and request filing when you bind the policy. Filing is usually complete within 24–48 hours.