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. 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
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Sources
- Missouri Department of Revenue - Driver License Bureau
- Missouri Department of Commerce and Insurance
- Insurance Information Institute - Uninsured Motorists Data