Missouri SR-22 Auto Insurance

The Zebra
Aug. 27, 2019

If you need an SR-22 for auto insurance in Missouri, you're not alone. This relatively routine legal requirement is triggered by a citation such as a DWI conviction, a driving-without-insurance citation, an at-fault accident, a ticket for driving with a suspended license, or accumulating too many license points.

Getting inexpensive insurance with an SR-22 in Missouri might not be easy, but it could be worthwhile. We analyzed how much a Missouri SR-22 certificate usually costs and how to get one — let's take a look.

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How much does Missouri SR-22 insurance cost?

Insurance with an SR-22 requirement in Missouri is usually pricey. This isn't a direct cost of the SR-22 — typical filing fees are $15 to $35 — but because of the insurance rate increases caused by the violation that necessitated the SR-22.

Auto insurance companies bill high-risk drivers higher rates to account for the heightened risk of claims payouts via collisions. The price increase you could receive will depend on the severity and number of your citations — below are standard car insurance prices for drivers with SR-22s in Missouri.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,334.70
At-fault collision (>$2,000)$1,865.00$530.30
Speeding (21-25 mph > limit)$1,647.06$312.36
Reckless driving$1,856.59$521.89
Hit and run$1,746.58$411.88

If you're seeking cheap car insurance after obtaining a SR-22 certificate, we're here to help. Enter your ZIP code to get personalized car insurance quotes from respected insurance companies.

How to obtain an SR-22 in Missouri

For currently insured drivers:

If you already have auto insurance, getting an SR-22 certificate is relatively simple. Call your auto insurance company ask them to file a SR-22 request on your behalf. If your current car insurance company isn’t willing to file for an SR-22, you should shop for a new policy with a new insurance company.

If you're currently uninsured:

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. Needing an SR-22 may disqualify you from purchasing insurance from some companies, while others will sell you a policy.

Don't own a vehicle?

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to show proof of insurance to get a certificate. If you don't own a vehicle, get a non-owners insurance policy before requesting an SR-22. Non-owners auto insurance is typically cheaper than standard coverage since it doesn't protect against material damage to your automobile.


Between September and December 2017, The Zebra conducted in-depth pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined almost 53 million premiums to identify trends related to specific car insurance pricing 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 car insurance rates.