Missouri SR-22 & High-Risk Auto Insurance
Missouri requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationMissouri at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Missouri
Drivers with DUIs, multiple violations, at-fault accidents while uninsured, or license suspensions typically receive an SR-22 requirement from the Missouri Department of Revenue. The SR-22 is not insurance itself but a certificate your carrier files proving you maintain continuous coverage at or above state minimums. Letting an SR-22 policy lapse restarts the filing period and triggers immediate license suspension.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured Motorist Coverage
What Drivers Pay in Missouri
$237–$262/mo
Typical monthly rate in Missouri, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation: Rates decline gradually as violations age, with the steepest drops occurring 3–5 years post-violation once the incident falls outside standard lookback periods
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage at state minimums or higher. Required for DUIs, suspensions, and uninsured accidents.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, lapses, multiple violations, or prior cancellations who cannot access standard market rates.
Liability Insurance
Covers injuries and property damage you cause to others. Missouri's 25/50/25 minimums are often insufficient for serious accidents.
Full Coverage
Liability plus collision and comprehensive coverage. Required if you finance or lease, and protects your vehicle in addition to others'.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Approximately 14% of Missouri drivers are uninsured, above the national average.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and lessors.