SR22 Insurance Missouri

State Minimum Requirements For Auto Insurance

SR22 Insurance In Missouri

Average cost for SR-22 (liability) in Missouri

You will be required to carry the state minimum liability limits in order to carry an SR-22 filing. This is the average cost for liability insurance with an SR-22 filing.

CityPrice
Nixa$91.00
Columbia$110.00
Blue Springs$91.00
Republic$100.00
Florissant$106.00
Ballwin$87.00
Warrensburg$104.00
Fulton$109.00
Grain Valley$91.00
Kirkwood$99.00
Overland$108.00
Farmington$110.00
Maryville$99.00
Webb City$90.00
Arnold$94.00
Hannibal$93.00
Washington$105.00
University City$100.00
Jennings$93.00
Manchester$98.00
Ferguson$106.00
Festus$88.00
Moberly$99.00
Gladstone$95.00
Kirksville$101.00
Old Jamestown$106.00
Maryland Heights$105.00
Liberty$98.00
Hazelwood$96.00
Creve Coeur$110.00
St. Charles$95.00
Cape Girardeau$106.00
Excelsior Springs$106.00
Lee’s Summit$88.00
Lemay$94.00
Kansas City$109.00
Jackson$86.00
O’Fallon$104.00
Webster Groves$91.00
St. Ann$106.00
Jefferson City$99.00
Carthage$90.00
Wentzville$94.00
Poplar Bluff$108.00
St. Peters$101.00
Rolla$89.00
Clayton$107.00
Chesterfield$100.00

Need an SR-22 but do not own a vehicle?

If you do not own a vehicle, but are required to obtain SR-22 insurance, you can purchase a Non-Owners policy. This will cover you for the minimum liability requirements and you can attach the SR-22 filing onto that policy for a small fee.

SR-22 rates by company (liability) In Missouri

This is the average cost for liability insurance, with an SR-22 filing in the State of Missouri. Each company is able to offer difference insurance rates, and discounts to keep the cost affordable. Call around or get a free quote from our agents who can shop all of these companies for the best price.

CompanySR22 Liability (average)
National General$105.00
NationwideN/A
Bristol West$121.00
USAAN/A
TravelersN/A
Liberty Mutual$117.00
GAINSCO$123.00
SafecoN/A
Farmers$86.00
State AutoN/A
Acceptance RTR$103.00
21st CenturyN/A
Progressive Insurance$109.00
State FarmN/A
AllstateN/A
Geico$65.00
AssuranceAmerica$69.00
American FamilyN/A

Reasons you may need an SR-22 in Missouri

Major violations, such as the ones listed above, will most likely require you to carry SR-22 Insurance for 1-3 years in Missouri. You can check with your local DMV for specifics pertaining to your case.

Multiple Traffic Offenses
DUI (Driving under the influence of Drugs or Alcohol)
License suspension for failure to pay fines
Excessive points violations
At Fault accident with no insurance
Driving while Suspended/revocation
Too many tickets in short period of time
DWI (Driving while intoxicated)
Failure to maintain mandatory insurance coverage required by state law
Previous incarceration
Suspension of license due to child support

SR-22 and child support in Missouri

If your license has been suspended or revoked from failure to pay child support, you will need to obtain liability insurance with an SR-22 in order to get your license reinstated. The general amount of time required to carry the SR-22 is 1-3 years in Missouri.

Cost for SR-22 Insurance with full coverage in Missouri

If you are financing a vehicle, you will likely need to carry full coverage which is Comprehensive and Collision on the vehicle. If you need an SR-22 as well, you can add that onto your policy for a small fee. Above is the average cost for full coverage, with an SR-22 in each city.

CityPrice
Chesterfield$151
Carthage$166
Ferguson$170
Dardenne Prairie$179
Marshall$167
Festus$162
Joplin$168
Nixa$152
Wildwood$174
Kirkwood$150
Sedalia$171
Washington$160
Old Jamestown$149
Crestwood$168
Ozark$161
Republic$157
O’Fallon$157
Farmington$159
Affton$146
St. Louis$159
Blue Springs$174
Springfield$163
Lee’s Summit$177
Maryland Heights$155
Jennings$181
Ballwin$169
Manchester$168
Lake St. Louis$157
St. Peters$165
University City$161
Webster Groves$153
Lemay$160
Fort Leonard Wood$162
Fulton$152
Rolla$163
Moberly$171
Oakville$158
Concord$166
Columbia$147
St. Charles$148
Overland$163
Independence$171
Wentzville$178
Sikeston$158
Hazelwood$179
Grandview$179
Warrensburg$178
Kirksville$157
Webb City$150
Kansas City$150
Raytown$168
Clayton$169
Jefferson City$168
St. Ann$160
Arnold$150
St. Joseph$147
Raymore$152
Liberty$156
Troy$156
Maryville$147
Mehlville$174
Jackson$172
Spanish Lake$151
Picture Shows Driver Opening A Beer Bottle Behind The Wheel With The Caption What Is The Difference Between Sr22 And Fr44

Who has the lowest price on SR-22 (by city) in Missouri

There are several insurance companies to choose from when it comes time to get insurance. If you need an SR-22 you are considered a high-risk driver, and you may want to check multiple companies to see which has the best price for you. Some companies specialize in high-risk drivers and will be able to provide you with a cheaper rate than others.

CityPrice
MarshallProgressive
OzarkGeico
MoberlyThe General
MaryvilleProgressive
Creve CoeurDairyland*
Excelsior SpringsGeico
BeltonNational General
CrestwoodProgressive
OverlandProgressive
Maryland HeightsProgressive
Lee’s SummitProgressive
Fort Leonard WoodDairyland*
BallwinFarmers
JoplinProgressive
Kansas CityDairyland*
SikestonProgressive
FestusProgressive
AfftonProgressive
Grain ValleyFarmers
HannibalProgressive
LemayProgressive
ConcordNational General
MehlvilleNational General
RaytownDairyland*
FlorissantNational General
IndependenceLiberty Mutual
RollaLiberty Mutual
KirkwoodProgressive
St. CharlesGeico
Poplar BluffLiberty Mutual
RaymoreProgressive
St. AnnNational General
LibertyFarmers
Spanish LakeProgressive
JenningsDairyland*
TroyGeico
JacksonLiberty Mutual
St. PetersGeico
Old JamestownThe General
St. JosephThe General
HazelwoodGeico
SpringfieldGeico
FultonProgressive
Webster GrovesBristol West
LebanonThe General
GrandviewProgressive
Webb CityProgressive
RepublicGeico
O’FallonGeico
Dardenne PrairieGeico
Blue SpringsGeico
West PlainsBristol West

SR-22 rates by company (full coverage) in Missouri

This is the average cost each company charges for full coverage insurance with an SR-22 filing on that policy. The rates do vary depending on the insured and their driving history, location, and other rating factors.

CompanySR22 Full Coverage (average)
National General$199.00
Progressive Insurance$203.00
21st CenturyN/A
AllstateN/A
AssuranceAmerica$200.00
Bristol West$172.00
NationwideN/A
State AutoN/A
The General$172.00
Mendota Ins. Company$186.00
Farmers$206.00
SafecoN/A
Liberty Mutual$180.00
State FarmN/A
USAAN/A
GAINSCO$213.00

Company fees for SR-22 in Missouri

Some companies do not offer SR-22 filings because they do not insure ‘high risk’ drivers. They may be a preferred company that do not allow those types of violations. Most companies that do offer SR-22 charge a flat fee of $5-$25 per term. Some companies, like Dairyland Insurance, do not charge at all.

Liberty Mutual$15-$25
Geico$25.00
American Familyna
Nationwidena
Acceptance RTR$25.00
21st Centuryna
Progressive Insurance$25.00
Travelersna
Safecona
National GeneralNA
State FarmUnknown
Mendota Ins. CompanyNA
USAAna
Farmers$15-$50
AllstateUnknown
The General$25.00
DairylandFree

Which companies offer SR-22 filings in Missouri

Required to carry SR-22 insurance, and do not have an insurance policy in force? Start by checking the list above for companies that do offer SR-22 filings. You can call around to multiple insurance companies and compare quotes before making a decision.

CompanySR22 Offered
Nationwideno
Travelersno
Dairylandyes
National Generalyes
Acceptance RTRyes
21st Centuryno
State Autono
GAINSCOyes
Mendota Ins. Companyyes
Liberty Mutualyes
Geicoyes
Safecono
Bristol Westyes
AssuranceAmericayes
Progressive InsuranceYes
Farmersyes
State Farmunsure
Allstateunsure
American Familyno

State Insurance requirements in Missouri

StateState MinPIP?
Missouri25/50/10N/A
The minimum liability requirements in Missouri are $25,000 per person for BI, up to $50,000 per accident and $10,000 for property damage.
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Last Updated on November 10, 2021 by Shawn Christie

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