Insurance Missouri

SR22 Insurance Missouri

Did you know that one of Missouri’s nicknames is “The Show Me State?” And if you are asked to Show An SR-22…let A Plus Insurance make sure you are legal.

Missouri State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: 25/50

Missouri SR-22 Insurance Cost: How Much Will You Pay?

The cost of SR22 insurance in Missouri depends on factors like your driving history, including any incidents of reckless driving, DUI, DWI, or license suspension, age, interactions with the department of revenue, and the filing process with the insurance provider you select. Typically, you’ll pay an additional $15 to $50 for the SR-22 filing fee on top of your regular insurance premiums. The total cost varies depending on whether you choose liability-only coverage or full coverage. To find the best rates, it’s essential to compare quotes from different providers.

To help you budget, here are some estimated rates for SR22 insurance in Missouri from top insurance companies. These estimates can guide you in finding the most affordable option for your needs.

Estimated SR-22 Insurance Rates in Missouri

Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Progressive$120$1,440
Dairyland$115$1,380
Travelers$125$1,500
Gainsco$130$1,560
Assurance$118$1,416
National General$122$1,464
Bristol West$119$1,428
Mendota$117$1,404
The General$121$1,452
Suncoast$123$1,476

Key Points to Remember:

  • SR-22 filing fee ranges from $15 to $50.
  • Overall cost depends on your driving history, age, and chosen coverage.
  • Compare quotes from different providers to find the best rates.

Missouri SR22 Insurance: Average Cost of Liability-Only Coverage

The average cost of liability-only SR22 insurance in Missouri typically ranges from $115 to $130 per month. This cost varies based on factors like your driving history, age, and the insurance provider you select. If you need SR22 insurance in Missouri due to violations like DUIs or driving without insurance, or if you are navigating the filing process, it’s essential to compare quotes from multiple providers to secure the most affordable option. Companies like Progressive, Dairyland, and Travelers offer competitive rates, helping you find a policy that meets Missouri’s legal requirements while fitting your budget.

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
SR22 Insurance Missouri

SR22 Insurance in Missouri: How to Get Coverage Without Owning a Vehicle

If you need SR22 insurance in Missouri but do not own a vehicle, you can obtain a Non-Owners policy. This type of policy provides liability coverage for drivers who must meet SR22 requirements but do not have a car. Non-owner SR22 insurance ensures you comply with Missouri’s financial responsibility laws, allowing you to drive legally when using a borrowed or rented vehicle. To find the best rates, compare quotes from multiple providers like Progressive, Dairyland, and Travelers, who offer competitive non-owner SR22 policies.

Key Points to Remember:

  • Non-owner SR22 insurance is available for those without a vehicle.
  • Provides liability coverage and meets Missouri’s SR22 requirements.
  • Compare quotes from Progressive, Dairyland, and Travelers for the best rates.

SR22 Insurance in Missouri: Liability Rates by Company

The rates for liability SR22 insurance in Missouri vary by company, with estimates typically ranging from $115 to $130 per month. When searching for SR22 insurance in Missouri, it’s essential to compare rates from multiple providers to find the most affordable option that meets your needs. Companies like Progressive, Dairyland, and Travelers offer competitive rates for SR22 liability coverage. By evaluating quotes from these insurers, you can ensure you get the best deal while fulfilling Missouri’s SR22 requirements.

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
SR22 Insurance Missouri

SR22 Insurance in Missouri: Common Reasons You Might Need It

Common reasons you might need SR22 insurance in Missouri include serious traffic violations such as DUIs, reckless driving, driving without insurance, multiple at-fault accidents, and repeated traffic offenses. Missouri requires SR22 insurance to ensure that high-risk drivers carry the minimum liability coverage necessary for financial responsibility, as mandated by the department of revenue. If you’ve had your license suspended or revoked due to violations such as DUIs, license suspension, or reckless driving, obtaining SR22 insurance is typically a mandatory step for the reinstatement of your driving privileges. By understanding these requirements and maintaining your SR22 insurance, you can comply with state laws and avoid further penalties.

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
SR22 Insurance 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.

SR22 Insurance in Missouri: How SR-22 Affects Child Support Obligations

If your license has been suspended or revoked from failure to pay child support, a DUI, or a DWI, you will need to obtain liability insurance with an SR-22 in order to get your license

Understanding how SR-22 insurance affects child support obligations in Missouri is crucial for those required to maintain financial responsibility. If you are required to carry SR-22 insurance due to traffic violations, your financial obligations, including child support, do not change. However, the additional cost of SR-22 insurance can impact your budget. It’s essential to factor in these costs and ensure you remain compliant with both SR-22 and child support requirements. Comparing quotes from providers like Progressive, Dairyland, and Travelers can help you manage these expenses effectively.

Key Points to Remember:

  • SR-22 insurance does not change child support obligations.
  • Additional SR-22 costs can impact your budget.
  • Compare quotes from Progressive, Dairyland, and Travelers to manage expenses.

SR22 Insurance in Missouri: Full Coverage Cost Analysis

The cost of SR22 insurance with full coverage in Missouri can vary, but typically ranges from $150 to $200 per month, depending on your driving history, age, and the insurance provider you choose. When required to carry SR22 insurance by the department of revenue, it’s important to compare quotes from multiple providers like Progressive, Dairyland, and Travelers to find the best rates for full coverage. Full coverage SR22 insurance includes liability, comprehensive, and collision coverage, ensuring you meet Missouri’s legal requirements while fully protecting your vehicle.

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
SR22 Insurance Missouri

SR22 Insurance in Missouri: Cheapest Rates by City

The cheapest SR22 insurance rates in Missouri vary by city, with providers like Progressive, Dairyland, and Travelers often offering competitive prices. When searching for SR22 insurance, comparing rates in cities like Kansas City, St. Louis, and Springfield can help you find the most affordable option. Factors such as your driving history, age, and specific city regulations can influence the cost. By obtaining quotes from multiple providers, you can identify the best rates for your SR22 insurance needs and ensure compliance with Missouri’s requirements.

Estimated SR22 Insurance Rates by City in Missouri

CityInsurance CompanyMonthly Rate Estimate
Kansas CityProgressive$150
St. LouisDairyland$140
SpringfieldTravelers$145

Key Points to Remember:

  • Rates vary by city and provider.
  • Compare quotes from Progressive, Dairyland, and Travelers.
  • Factors like driving history and age influence costs.
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
SR22 Insurance Missouri

SR22 Insurance in Missouri: Full Coverage Rates by Company

The full coverage rates for SR22 insurance in Missouri vary by company, with estimates typically ranging from $150 to $200 per month. When looking for SR22 insurance in Missouri, it’s essential to compare rates from multiple providers such as Progressive, Dairyland, and Travelers to find the best deal. Full coverage SR22 insurance includes liability, comprehensive, and collision coverage, ensuring you meet Missouri’s legal requirements while providing complete protection for your vehicle. By evaluating quotes from these insurers, you can secure affordable and comprehensive SR22 coverage.

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
SR22 Insurance Missouri

SR22 Insurance Fees in Missouri: Rates by Company

SR22 insurance fees in Missouri vary by company, typically ranging from $15 to $50 for the SR22 filing fee, plus the cost of the insurance premium. When searching for SR22 insurance in Missouri, it’s crucial to compare the total fees from multiple providers such as Progressive, Dairyland, and Travelers to find the most cost-effective option. These fees are in addition to your regular insurance premium, which will be higher due to the SR22 requirement and increased premiums. By evaluating quotes from different companies, you can ensure you meet Missouri’s SR22 requirements at the best possible rate.

SR22 Insurance in Missouri: Companies Offering SR-22 Filings

Several companies offer SR-22 filings as part of their insurance services in Missouri, including Progressive and Dairyland. When searching for SR22 insurance in Missouri, it’s essential to choose a provider that can handle your SR-22 filing process to ensure compliance with state requirements. These companies provide competitive rates and reliable coverage options for drivers who need SR-22 insurance due to traffic violations, including DUI, DWI, reckless driving, or other reasons such as a license suspension or reinstatement. By comparing quotes from these providers, you can find the best rate and coverage to meet your needs.

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
SR22 Insurance Missouri

SR22 Insurance Missouri: State Minimum 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.

SR22 Insurance Missouri FAQs

What is SR22 insurance, and why is it required in Missouri?

SR22 insurance is a certificate of financial responsibility required by the state of Missouri for individuals with certain driving violations. It provides proof of insurance coverage and is mandated for reinstating driving privileges after a suspension.

How can A Plus Insurance help me obtain affordable SR22 insurance in Missouri?

A Plus Insurance shops multiple carriers to help you find the best rates for SR22 insurance in Missouri. Our team works with insurance providers to ensure you get cost-effective coverage tailored to your needs.

Do you offer assistance over the phone? How can I reach you?

Yes, we offer assistance over the phone. Call us at 1.888.445.2793 to speak with one of our representatives for personalized assistance with your SR22 insurance needs.

How much is an SR-22 in Missouri?

The cost of an SR-22 in Missouri can vary based on individual circumstances and insurance provider. It typically involves a filing fee in addition to your insurance premium. For precise rates, it’s best to get a personalized quote.

How does SR-22 work in Missouri?

In Missouri, an SR-22 is a certificate filed by your insurance company directly to the state, confirming that you carry the minimum required liability insurance. It’s usually required for a specific period, such as three years, following certain traffic violations.

How do I check the status of my SR-22 in Missouri?

To check the status of your SR-22 in Missouri, you can contact your insurance provider or the Missouri Department of Revenue. They can provide information on the status and any related requirements or expiration dates.

SR-22 Insurance in Missouri: Article Information

  • Headline: SR-22 Insurance in Missouri: A Comprehensive Guide
  • URL: https://learnandserve.org/insurance-missouri/sr22-insurance-missouri/
  • Summary: This article provides essential information about SR-22 Insurance in Missouri, including its requirements, the process of obtaining it, and its impact on driving privileges.
  • Call to Action: Need help with SR-22 Insurance in Missouri? Call us at 1.888.445.2793 for assistance.

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SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

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Last Updated on by Marlon Moss

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