WalletHub, Financial Company
@WalletHub
You need an SR-22 in Missouri for 2-3 years, which means you must also maintain at least the minimum car insurance coverage required by Missouri for 2-3 years. The amount of time you need an SR-22 in Missouri depends on the violation that resulted in the mandatory SR-22 filing.
Missouri SR-22 Filing Timeline by Violation
| Violation | SR-22 Required For |
| Non-Alcohol Moving Violations | 2 years |
| Motor Vehicle Accident Judgment | 2 years |
| Motor Vehicle Accident Judgment Out-of-State | 2 years |
| Failure to Have Ignition Interlock if Required | 2 years |
| Alcohol-Related Moving Violation* | 2 years |
| Refusal to Submit to an Alcohol or Drug Test | 2 years |
| Abuse & Lose** | 2 years |
| Minor in Possession*** | 2 years |
| Failure to Have Insurance | 3 years |
*SR-22 is not required for a first-time suspension if you are under age 21 and driving with a blood alcohol of 0.02% or greater.
* *Court-ordered loss of driving privileges for alcohol- or drug-related conviction
***For individuals under age 21 who had their driving privileges revoked due to possessing, purchasing, or attempting to purchase any intoxicating liquor.
Missouri SR-22 Insurance Requirements
- $25,000 in bodily injury liability insurance per person ($50,000 per accident)
- $25,000 in property damage liability coverage
- Uninsured motorist insurance
When you get SR-22 insurance coverage in Missouri, your insurance company files your SR-22 certification with the state on your behalf. Failing to file an SR-22 can result in your vehicle registration or license being suspended, in addition to costly reinstatement fees. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You’re even required to maintain an SR-22 if you move from Missouri using an out-of-state filing.
If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.
People also ask
Do I need an SR-22?
You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance...
read full answerWhat does SR-22 insurance cover?
SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.
SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as...
read full answerHow much does non-owner SR-22 insurance cost?
Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.
The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...
read full answerDid we answer your question?
@dlhart8163: Thank you for your comment! We looked into it and clarified our answer. The SR-22 period in Missouri could be two years or three years depending on the circumstances.
Why was I told by the state of Missouri I was only required to have for two years