Car Insurance Driving Record
Get a Quote
A low-angle view along a paved road curving through rolling hills with autumn-colored trees, with rocks, gravel and fallen leaves in sharp focus at the roadside and a cloudy sky overhead.

Missouri SR-22 & High-Risk Auto Insurance

Missouri requires 25/50/25 liability coverage and is an at-fault state.

Get Quotes Based on Your Record

Missouri at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

Uninsured motorist coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Missouri

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.

Liability Insurance

Missouri law mandates 25/50/25 liability minimums, enforced by the Missouri Department of Revenue. These minimums may be insufficient if you cause a serious accident, as Missouri allows injured parties to pursue your personal assets beyond policy limits.

SR-22 Insurance

SR-22 is not a separate insurance policy — it's a certificate your insurer files with the Missouri Department of Revenue to prove you carry continuous coverage. Not all carriers offer SR-22 filing in Missouri; non-standard insurers like The General, Direct Auto, and Progressive typically write these policies.

Uninsured Motorist Coverage

Missouri requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy, but you can reject it in writing.

Full Coverage

Full coverage typically means state-minimum liability plus comprehensive and collision to protect your vehicle.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers who can't get coverage from preferred insurers. Rates vary widely based on violation type: DUI convictions often cost 2–3x more than a suspended license for unpaid tickets.

What Drivers Pay in Missouri

$237–$262/mo

Typical monthly rate in Missouri, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Location — urban areas like St. Louis and Kansas City see higher rates due to accident frequency and uninsured motorist exposure
A man in a cap, tan hooded jacket, jeans and brown boots leans against the rear of a dark pickup truck on gravel at sunset, with a bare tree and flat open land in the background.

Get a Rate That Matches Your Record Today

Get Quotes Based on Your Record

Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Missouri requires 25/50/25 minimums, but serious at-fault accidents often exceed these limits and expose your personal assets to lawsuits.

SR-22 Filing

Proof of financial responsibility filed by your insurer with the Missouri Department of Revenue. Required after DUI, uninsured driving, or license suspension for specific violations.

Non-Standard Auto Insurance

Specialized coverage for drivers rejected by standard carriers due to violations, lapses, or license suspensions. Carriers like The General, Direct Auto, and Safe Auto focus on this market in Missouri.

Uninsured Motorist Coverage

Protects you if an uninsured or underinsured driver causes an accident. Missouri requires insurers to offer this coverage, though you can reject it in writing.

Full Coverage

Liability plus comprehensive and collision to repair or replace your vehicle after an accident, theft, or weather damage. Lenders require this if you're financing a car.

Collision Coverage

Pays to repair your vehicle after an at-fault accident, regardless of who caused it. Optional unless required by your lender.

Find Your City in Missouri

Kansas City

urban

St. Louis

urban

Springfield

urban

Columbia

suburban

Independence

suburban

Lee's Summit

suburban

O'Fallon

suburban

St. Joseph

urban