Updated April 2026
Minimum Coverage Requirements in Missouri
Missouri requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers convicted of DUI, caught driving without insurance, or suspended for accumulating points typically must file SR-22 proof of financial responsibility with the Missouri Department of Revenue. The SR-22 requirement generally lasts 2 years from the date of reinstatement, and any lapse in coverage during that period restarts the clock.
How Much Does Car Insurance Cost in Missouri?
High-risk auto insurance in Missouri costs significantly more than standard coverage due to increased insurer risk. Drivers with DUI convictions typically pay $2,400–$4,800/year ($200–$400/mo), while those with suspended licenses for non-DUI violations may see $1,800–$3,600/year ($150–$300/mo). Rates vary by violation severity, time since incident, age, location, and whether you need SR-22 filing.
What Affects Your Rate
- Violation type — DUI convictions increase rates 150–250% over baseline, while suspended licenses for points may increase 80–150%
- Time since violation — rates typically decrease 10–20% per year after the first year if no new violations occur
- SR-22 filing requirement — adds $15–$50 to file, but the high-risk classification raises premiums $80–$200/mo
- Location — urban areas like St. Louis and Kansas City see higher rates due to accident frequency and uninsured motorist exposure
- Age and gender — young male drivers with violations often pay the highest rates in Missouri, sometimes exceeding $500/mo for minimum coverage
- Credit history — Missouri allows insurers to use credit-based insurance scores, which can add 20–40% to premiums for high-risk drivers with poor credit
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Sources
- Missouri Department of Revenue - Driver License Bureau
- Missouri Department of Commerce and Insurance
- Insurance Information Institute - Uninsured Motorist Statistics