Missouri SR-22 & High-Risk Auto Insurance
Missouri requires 25/50/25 liability coverage and is an at-fault state.
Find Carriers That Accept PointsMissouri 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
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.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
SR-22 Insurance
Non-Standard Auto Insurance
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
- 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
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage 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.