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How Long Do You Need SR22 Insurance After a DUI in Missouri? (FAQs)

If you’ve recently received a DUI in Missouri, you may be wondering about SR22 insurance requirements. Below is a detailed FAQ guide to address common questions and provide clarity on how long SR22 insurance is required and what it entails.

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What Is SR22 Insurance?

SR22 insurance is a certificate of financial responsibility that proves you have the minimum liability insurance required by Missouri law. It is often mandated for drivers who have had a DUI, multiple traffic violations, or other high-risk driving offenses.

How Long Do You Need SR22 Insurance After a DUI in Missouri?

In Missouri, SR22 insurance is typically required for 2 to 3 years following a DUI or similar offense. The exact time frame depends on the severity of your violation and whether you maintain continuous coverage without lapses.

What Happens If Your SR22 Coverage Lapses?

If your SR22 policy lapses, your insurance company is required to notify the Missouri Department of Revenue. This could result in the suspension of your driver’s license and restarting the SR22 filing period from the beginning.

What Does SR22 Insurance Cost in Missouri?

The cost of SR22 insurance in Missouri varies. Typically, you’ll pay a filing fee charged by your insurance provider, which is usually between $15 and $25. Additionally, you may see higher premiums due to your DUI or high-risk designation. On average, SR22 insurance in Missouri can increase your monthly premiums by 40% to 70%.

Can You Switch Insurance Companies While Filing an SR22?

Yes, you can switch insurance companies while filing an SR22. However, it’s important to ensure there is no gap in coverage during the transition. You also need to confirm that your new provider files your SR22 with the Missouri DMV immediately.

What Happens After the SR22 Period Ends?

Once your required SR22 period ends, your insurance company will notify the Missouri Department of Revenue. At that point, you may qualify for lower premiums as your high-risk designation is removed.

How Do You Get SR22 Insurance in Missouri?

To get SR22 insurance in Missouri, start by contacting an insurance provider authorized to file SR22 certificates. Request a policy and ensure the provider will handle the SR22 filing with the DMV. Finally, maintain your SR22 policy without any lapses for the required time period.

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Last Updated on October 20, 2025 by Brian Muse