What is SR22 Insurance in Missouri?

If you’re a driver in Missouri and have been involved in certain driving violations, you may have heard of SR22 insurance. But what is it exactly? SR22 insurance is a certificate of financial responsibility that proves you have the minimum amount of liability insurance required by law in Missouri. It’s often required for drivers who have been convicted of a DUI or DWI, driving without insurance, or other serious driving offenses.

If you need to obtain SR22 insurance in Missouri, there are several things you should know before getting started. In this article, we’ll cover everything you need to know about SR22 insurance in Missouri, including how to get it, how much it costs, and what to expect from the process.

Why Do I Need SR22 Insurance in Missouri?

If you’ve been convicted of a serious driving offense in Missouri, such as a DUI or DWI, you’ll likely be required to obtain SR22 insurance. This is because these types of violations typically come with a license suspension or revocation, and SR22 insurance is required as a condition of getting your license reinstated.

But even if you haven’t been convicted of a serious driving offense, you may still need SR22 insurance if you’re caught driving without insurance or with a suspended or revoked license. In these cases, SR22 insurance acts as proof that you have the minimum amount of liability insurance required by law.

How Do I Obtain SR22 Insurance in Missouri?

If you need to obtain SR22 insurance in Missouri, the first step is to contact your insurance provider. Not all insurance companies offer SR22 insurance, so you may need to shop around to find one that does.

Once you’ve found an insurance company that offers SR22 insurance, you’ll need to provide them with some basic information about yourself, such as your name, address, and driver’s license number. You’ll also need to provide information about the driving offense that led to your need for SR22 insurance.

Once your insurance company has this information, they can file the SR22 certificate with the Missouri Department of Revenue on your behalf. This typically takes a few days to process, so be sure to plan ahead and allow plenty of time to get your SR22 insurance in place.

How Much Does SR22 Insurance Cost in Missouri?

The cost of SR22 insurance in Missouri can vary depending on a number of factors, including your driving record, the type of vehicle you drive, and the amount of liability coverage you need. In general, you can expect to pay more for SR22 insurance than you would for standard auto insurance.

To get an idea of how much SR22 insurance will cost you, it’s best to contact several different insurance companies and get quotes. Be sure to ask about any discounts that may be available, such as good driver discounts or multi-policy discounts.

FAQ: Frequently Asked Questions About SR22 Insurance in Missouri

How Long Do I Need to Maintain SR22 Insurance in Missouri?

In Missouri, you’ll typically need to maintain SR22 insurance for a period of 1-3 years, depending on the severity of your offense. During this time, you’ll need to keep your insurance policy current and make sure your SR22 certificate is on file with the Missouri Department of Revenue.

If you fail to maintain your SR22 insurance or allow it to lapse, your license will be suspended or revoked and you’ll need to start the process over again. So be sure to keep your insurance policy current and renew your SR22 certificate as needed.

The Bottom Line

If you’ve been convicted of a serious driving offense in Missouri, obtaining SR22 insurance is a necessary step in getting your license reinstated. While it can be more expensive than standard auto insurance, it’s important to maintain your SR22 insurance and keep your policy current to avoid further legal trouble.

If you have any questions or concerns about SR22 insurance in Missouri, be sure to speak with your insurance provider or contact the Missouri Department of Revenue for more information.