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. SR-22 filing is triggered by DUI convictions, driving without insurance, at-fault accidents while uninsured, license suspensions, or accumulating 8 points in 18 months. The filing requirement typically lasts 3 years from the reinstatement date. Most drivers with simple speeding tickets or minor violations do not need SR-22 unless specifically ordered by the court or the Missouri Department of Revenue.
How Much Does Car Insurance Cost in Missouri?
High-risk auto insurance in Missouri costs significantly more than standard policies due to violation-based surcharges and restricted carrier access. A DUI can raise premiums by 80–150% for 5 years, while a speeding ticket 15+ mph over typically adds 20–40% for 3 years. Drivers with SR-22 requirements often pay $200–$400/mo for liability-only coverage, while those with minor point accumulations may see increases of $30–$80/mo depending on carrier and violation specifics.
What Affects Your Rate
- Violation type: DUI adds 80–150%, at-fault accident adds 40–80%, speeding 15+ mph adds 20–40%
- SR-22 requirement: filing costs $15–$35, but base premium increases 60–150% due to underlying violation
- Point accumulation: each point on your Missouri record typically raises premiums 5–15% for 3 years
- Coverage lapse history: gaps over 30 days can raise rates 10–30% even without a violation
- Non-standard carrier access: limited competition in high-risk market means fewer options to compare rates
- Credit-based insurance score: Missouri allows credit-based pricing; poor credit combined with violations can double premiums
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Missouri's 25/50/25 minimums are often insufficient in serious accidents — upgrading to 50/100/50 or 100/300/100 protects you from personal liability if you cause a major crash.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer to prove you carry minimum coverage. Not a separate policy — it is added to your existing liability coverage for a small filing fee.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers: DUI, suspensions, lapses, and multiple violations. These carriers offer SR-22 filing and flexible payment plans but charge higher premiums due to elevated risk.
Uninsured Motorist Coverage
Pays for your injuries and damages if you are hit by a driver with no insurance or insufficient coverage. Missouri law requires insurers to offer UM/UIM at the same limits as your liability policy.
Full Coverage
Liability plus collision and comprehensive. Covers damage to your own vehicle from accidents, theft, weather, and vandalism. Required if you finance or lease your vehicle.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Subject to a deductible — typically $500 to $1,000. Required by lenders but optional if you own your car outright.
