SR-22 After DUI
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Missouri DUI SR-22 Insurance After Conviction

Missouri requires SR-22 filing with 25/50/25 minimum liability for 5 years after a DUI conviction. Average monthly cost runs $140–$220 depending on conviction class, with aggravated offenses and repeat convictions pushing rates toward the upper end.

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Updated May 2026

Minimum Coverage Requirements in Missouri

Missouri is a tort state, meaning the at-fault driver's insurance pays for damages in an accident. After a DUI conviction, the Missouri Department of Revenue requires continuous SR-22 filing with 25/50/25 minimum liability coverage for 5 years from the conviction date. The filing period starts on the conviction date, not the license reinstatement date, and any lapse triggers an automatic license suspension and restarts the 5-year clock.

Missouri cityscape and street view
Bodily Injury Liability
Covers medical bills, lost wages, and legal expenses when you injure someone in an at-fault accident. Missouri's minimum of $25,000 per person is consumed by a single emergency room visit after a serious collision. Most DUI convictions involve court-ordered minimums only, but one accident above those limits puts your assets at risk since Missouri allows injured parties to sue for the difference.
Property Damage Liability
Pays for damage to other vehicles, buildings, or property when you cause an accident. Missouri's $25,000 minimum covers a mid-range sedan totaled in a collision, but falls short when multiple vehicles are involved or when you strike high-value property. If you drive in urban areas like Kansas City or St. Louis where multi-car pileups are common, the minimum leaves you financially exposed.
SR-22 Certificate of Financial Responsibility
The SR-22 is not insurance — it is a filing your carrier submits to the Missouri Department of Revenue proving you maintain continuous liability coverage. Your carrier charges $15–$50 to file it initially and will electronically notify the state if your policy lapses for any reason. A single missed payment triggers automatic suspension, and you must start the 5-year period over from the date you reinstate.
Uninsured Motorist Coverage
Missouri law requires carriers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy. You can reject it, but rejection must be in writing on a state-approved form at policy inception — verbal rejection does not count and the coverage is automatically added if you do not complete the form. This matters because approximately 15% of Missouri drivers carry no insurance, and your SR-22 policy likely offers minimal coverage beyond state minimums unless you actively select higher limits.

How Much Does Car Insurance Cost in Missouri?

Missouri SR-22 rates are determined by conviction class, filing duration, and carrier acceptance in the non-standard market. First-offense standard DUI convictions typically cost $140–$180 monthly, while aggravated offenses (high BAC, minor in vehicle, injury) and repeat convictions push rates to $180–$220 monthly. Most mainstream carriers non-renew DUI policies at term, forcing drivers into the non-standard market where rates are higher but coverage is available.

What Affects Your Rate

  • Conviction class: aggravated DUI (BAC over 0.15, minor in vehicle, injury) typically adds $40–$60 monthly compared to first-offense standard convictions
  • Repeat offenses: second or third DUI within 5 years doubles base premium and limits carrier options to high-risk specialists
  • Ignition interlock device (IID): court-ordered IID adds $70–$100 monthly for device rental but may qualify for reduced premium at some carriers
  • Age and driving history: drivers under 25 or over 65 with DUI face higher rates due to actuarial risk tables
  • ZIP code: urban counties (St. Louis City, Jackson County) carry 15–20% higher premiums than rural Missouri due to accident frequency
  • Payment plan: paying 6 months in advance typically saves 5–8% compared to monthly installments, but most DUI drivers cannot afford the lump sum
Minimum Coverage
$140–$180/mo
State-required 25/50/25 liability only. Covers legal minimums but leaves you financially exposed in any serious accident.
Standard Coverage
$180–$220/mo
Increased liability limits (50/100/50 or 100/300/100) plus uninsured motorist coverage. Recommended for drivers with assets to protect or repeat-offense convictions.
Full Coverage
$220–$280/mo
Full liability limits plus collision and comprehensive on a financed or leased vehicle. Required by lienholders and adds significant cost after DUI.

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Coverage Types

SR-22 Insurance

State-mandated proof of financial responsibility filed by your carrier to the Missouri Department of Revenue for 5 years after a DUI conviction.

Non-Owner SR-22

Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to maintain license reinstatement or satisfy court requirements.

Liability Insurance

Covers bodily injury and property damage you cause to others. Missouri requires 25/50/25 minimums, but those limits are consumed quickly in any serious collision.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage. Missouri carriers must offer it at policy inception, and rejection requires written documentation.

Full Coverage

Liability plus collision and comprehensive coverage on your vehicle. Required by lienholders and significantly more expensive after a DUI conviction.

Find Your City in Missouri

Kansas City, Missouri cityscape and street view

Kansas City

urban
St. Louis, Missouri cityscape and street view

St. Louis

urban
Springfield, Missouri cityscape and street view

Springfield

urban
Columbia, Missouri cityscape and street view

Columbia

suburban
Aerial view of downtown area with brick buildings, main street, and surrounding green neighborhoods

Independence

suburban
Tranquil lake reflecting clouds and sky, surrounded by green trees and colorful spring foliage

Lee's Summit

suburban
Suburban street with cars, trees, and city skyline in background on a clear day

O'Fallon

suburban
Snow-covered bronze statue in front of a historic domed building with green copper dome in winter

St. Joseph

urban

Frequently Asked Questions

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