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SR-22 in Missouri: Fees, Minimum Coverage and How Long
The short answer
In Missouri, an SR-22 is a certificate your insurance company files with the Missouri Department of Revenue to prove you carry at least the state minimum liability insurance of $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). You must keep it in force for 3 years for no-insurance suspensions; 2 years for DWI, alcohol, refusal, points and judgment cases; if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $20 to $400, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 25/50/25 |
| How long | 3 years for no-insurance suspensions; 2 years for DWI, alcohol, refusal, points and judgment cases |
| State reinstatement fee | $20 to $400 |
| Who files it | Your insurance company |
What else to know in Missouri
Missouri's reinstatement fee for a no-insurance suspension grows with each offense: $20 for the first, $200 for the second and $400 for the third or later. Alcohol-related cases cost $45.
Steps
- Get a liability policy of at least 25/50/25 from an insurer licensed in Missouri and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Missouri Department of Revenue. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $20 to $400, depending on the suspension.
- Keep the policy active for 3 years for no-insurance suspensions; 2 years for DWI, alcohol, refusal, points and judgment cases. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Missouri?
3 years for no-insurance suspensions; 2 years for DWI, alcohol, refusal, points and judgment cases, under Missouri's rules (see the sources below).
Does Missouri charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $20 to $400, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Missouri require?
$25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.