Missouri SR-22 Auto Insurance

If you need an SR-22 to get a car insurance policy in Missouri, don't worry. This relatively common legal requirement is often needed after a citation such as a DWI conviction, a citation for driving with no insurance, an accident with substantial property damage, driving with a suspended license, or piling up too many license points.

Getting inexpensive insurance with a SR-22 certificate in Missouri might not be easy, but it's worth the trouble. The Zebra explored how much a SR-22 certificate costs in Missouri and how to get one — let's take a look.

How much does an SR-22 cost in Missouri?

Car insurance with an SR-22 in Missouri is often expensive. This isn't a direct result of the SR-22 — filing fees could be as cheap as $15 to $35 — but a product of the insurance premium increases from the driving citation that prompted the SR-22 requirement.

Car insurance companies charge risky drivers steeper rates to account for the increased chance of having to pay out a claim after an accident. The price increase you’ll receive depends on the number and severity of your violations — listed below are average auto insurance rates for drivers with SR-22s in Missouri.

High-risk rating factorAverage annual rateIncrease vs. clean record
No citations$1,736
At-fault crash (>$2,000)$2,537$800
Speeding (21-25 mph > limit)$2,171$435
Reckless driving$2,338$602

If you are looking for affordable car insurance with a SR-22, The Zebra is here to help. Enter your ZIP code below to receive personalized auto insurance quotes from respected companies.

How to get an SR-22 in Missouri

Currently insured?

If you already have auto insurance, requesting an SR-22 certificate should be simple. Call your insurance company ask the company to file a SR-22 request for you. If your insurance company won't file an SR-22 request, you should shop around for a new insurance company.


When applying for a new policy, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers who don’t own a vehicle

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it harder to get an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners auto insurance policy before filing for an SR-22. Non-owners car insurance can be less expensive than standard coverage since it won’t provide protection for material damages to your vehicle.

Methodology and data sources

we conducted car insurance price analysis via its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra examined nearly 53 million premiums to explore trends related to car insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance costs.

The ZebraThe nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.