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What SR-22 Actually Costs After a DUI in Missouri (All 3 Fees)

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Missouri SR-22 Cost Breaks Into Three Separate Charges

The SR-22 filing fee in Missouri is $15, paid once to your carrier when they submit the form to the Department of Revenue. That's the smallest cost you'll face.

The premium increase is where the real expense lives. A DUI conviction triggers a 70–130% rate increase for most drivers, translating to an additional $110–$190 per month for SR-22-eligible non-standard coverage. Over Missouri's 2-year filing requirement, that's $2,640–$4,560 in additional premium.

Reinstatement fees stack on top. If your license was suspended (not just restricted), Missouri charges a $45 reinstatement fee. If you had a commercial driver's license or held a CDL endorsement at the time of conviction, add another $200 CDL reinstatement fee. If the DUI involved an injury accident, the reinstatement fee jumps to $200 for all license classes.

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Your SR-22 Clock Starts on Conviction Date, Not Filing Date

Missouri measures the 2-year SR-22 requirement from your DUI conviction date, not the day you file SR-22 or reinstate your license. If you waited 6 months after conviction to reinstate and file SR-22, you still owe 2 years from conviction — meaning you'll need SR-22 for 18 months post-filing, not the full 24.

The Department of Revenue does not send reminder notices when your SR-22 period ends. The termination date is calculated from your conviction record, and if you cancel SR-22 even one day early, Missouri treats it as a lapse and resets your clock to zero.

Most carriers will not proactively tell you your SR-22 end date. You need to calculate it yourself: conviction date plus 2 years. Mark that date and request SR-22 termination in writing only after it passes.

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Non-Standard Carriers Write Most Missouri DUI-SR-22 Policies

State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers after a DUI, but most non-renew at the next policy term. New DUI-SR-22 policies almost always require the non-standard market.

Missouri non-standard carriers include Bristol West, Direct Auto, Dairyland, GAINSCO, The General, Safe Auto, and Acceptance. Availability varies by county — rural Missouri has fewer non-standard options than St. Louis or Kansas City metro areas.

Expect monthly premiums of $140–$240 for minimum liability SR-22 coverage in the non-standard market. Rates vary by conviction class: first-offense standard DUI (.08–.14 BAC, no aggravating factors) prices lower than aggravated DUI (.15+ BAC, minor in vehicle, injury, or refusal). Repeat-offense DUI within 5 years prices highest and may require proof of IID installation before a carrier will bind.

Missouri Requires SR-22 for 2 Years After DUI Conviction

Missouri mandates 2 years of continuous SR-22 filing for all DUI convictions under RSMo 302.304. The clock starts on your conviction date, not your reinstatement date or filing date.

If you move out of Missouri during your filing period, the 2-year requirement follows you. Your new state may not require SR-22, but Missouri's reinstatement order remains active until the full 2 years expire. You'll need to maintain SR-22 filed with Missouri even if your new state doesn't mandate it.

Letting SR-22 lapse for any reason — missed payment, policy cancellation, switching carriers without overlap — resets the 2-year clock to zero. Missouri receives electronic notice of SR-22 termination within 24 hours, and the Department of Revenue will suspend your license again immediately.

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IID Requirement Adds $70–$100 Per Month for Some Convictions

Missouri requires ignition interlock device installation for all DUI convictions with BAC of .15 or higher, all repeat-offense DUI convictions, and all DUI convictions involving injury or death. The IID requirement runs parallel to SR-22 — you'll need both.

IID installation costs $70–$150, and monthly monitoring/calibration fees run $70–$100. Over a 2-year period, IID adds $1,680–$2,400 to your total compliance cost.

Some non-standard carriers require proof of IID installation before they'll bind an SR-22 policy for aggravated or repeat-offense DUI. You can't get SR-22 until the device is installed and verified, and you can't reinstate your license without SR-22 on file.

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Hardship License Doesn't Change SR-22 Requirement or Cost

Missouri issues restricted driving privileges (hardship license) for work, school, medical appointments, and court-ordered obligations during your suspension period. You still need SR-22 filed to qualify for the hardship license.

The SR-22 premium for a hardship license policy is the same as a full reinstatement policy — carriers price based on your DUI conviction and filing requirement, not your license restriction status. You're still paying $140–$240/mo for non-standard SR-22 coverage.

If you don't own a vehicle and only need SR-22 to satisfy the hardship license requirement, a non-owner SR-22 policy costs $30–$60/mo. Non-owner SR-22 provides liability coverage when you drive a borrowed or rented vehicle, but it won't cover a car you own or a car registered in your household.

Switching Carriers During Your Filing Period Requires Overlap

If you switch carriers before your 2-year SR-22 period ends, the new policy must be bound and SR-22 filed before you cancel the old policy. Even a single day without active SR-22 on file triggers a suspension notice from the Department of Revenue.

Most non-standard carriers will issue a new SR-22 policy with same-day or next-day SR-22 filing, but electronic filing from the new carrier to Missouri DOR can take 24–72 hours to process. Cancel your old policy only after you receive written confirmation that the new SR-22 is on file.

If you let your old policy lapse before the new SR-22 is filed, Missouri treats it as a voluntary termination. Your 2-year clock resets to zero, and you'll owe another $45 reinstatement fee to get your license back.

Frequently Asked Questions

Does Missouri SR-22 filing cost go down after the first year?

No. The $15 filing fee is paid once, but your elevated premium remains for the full 2-year filing period. Most non-standard carriers do not reduce rates mid-term after a DUI, even if you maintain a clean record during the SR-22 period.

Can I remove SR-22 early if I move out of Missouri?

No. Missouri's 2-year SR-22 requirement follows you regardless of where you move. Your new state may not require SR-22, but Missouri's reinstatement order remains active until the full 2 years from conviction date expire.

What happens if I cancel my SR-22 policy one day before the 2-year mark?

Missouri treats early termination as a lapse and resets your 2-year clock to zero. The Department of Revenue suspends your license again immediately, and you'll owe another $45 reinstatement fee to get it back.

Does SR-22 cost more if I had a high BAC DUI?

Yes. Aggravated DUI convictions (BAC .15 or higher, minor in vehicle, injury, or refusal) price higher in the non-standard market. Expect premiums $30–$60/mo higher than first-offense standard DUI, plus mandatory IID costs of $70–$100/mo.

Can I get SR-22 from my current carrier after a Missouri DUI?

Most major carriers (State Farm, Geico, Allstate, Progressive) will file SR-22 for existing customers after a DUI but typically non-renew at the next policy term. New DUI-SR-22 policies almost always require a non-standard carrier.