Official Missouri Guide

Missouri SR-22 Insurance

A complete roadmap to satisfying Missouri Department of Revenue requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

2 Years

Required from date of reinstatement

Filing Fee

~$15 - $30

One-time administrative cost

How Missouri SR-22 Filing Works

In Missouri, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Missouri Department of Revenue (DOR). It provides legal evidence that you carry the state's minimum required liability insurance (25/50/25) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the DOR and may reset your 2-year filing period.

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Who Needs to File in MO?

Administrative Alcohol: Suspensions resulting from a high BAC reading or refusing a chemical test.
Point Accumulation: Receiving 8 or more points on your driving record within an 18-month period.
Uninsured Accident: Being involved in an accident while failing to maintain valid liability insurance.
Unsatisfied Judgments: Failure to pay court-ordered damages resulting from an auto accident.

Don't Own a Car in Missouri?

You can still get reinstated! A Missouri Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Missouri DOR requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The MO Reinstatement Timeline

Check Eligibility

Access the Missouri DOR 'Check My Status' portal to verify your license status and specific restoration requirements.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance carrier will electronically transmit the certificate to the DOR in Jefferson City.

Pay Reinstatement Fee

Pay the mandatory fees (typically $20-$45) online or via mail to the Department of Revenue.

License Reissued

Once the SR-22 is logged and fees are processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Missouri:

First Offense

Immediate License Suspension

Court Fines

Up to $500 + Court Costs

SR-22 Period

2-Year Clock Resets

Legal Risk

Potential Class D Misdemeanor

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Missouri Filing FAQs

How much is the filing fee in Missouri?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Missouri DOR. This is separate from your monthly premium.

Can I drive out of state with a MO SR-22?

Yes. Your Missouri SR-22 is valid nationwide. You must maintain the Missouri-specific limits (25/50/25) to remain compliant with state law.

What is the difference between SR-22 and regular insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the DOR if your coverage lapses.

Can I get a Non-Owner policy in MO?

Yes, Missouri allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Missouri law requires insurers to notify the DOR immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 2 years?

Once your 2-year mandate expires, contact the Missouri DOR to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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