Missouri DUI SR-22 Insurance After Conviction
Missouri requires 25/50/25 liability coverage and is an at-fault state.
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Missouri 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
$20
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Missouri
$323–$343/mo
Typical monthly rate in Missouri, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Repeat offenses: second or third DUI within 5 years doubles base premium and limits carrier options to high-risk specialists
- Age and driving history: drivers under 25 or over 65 with DUI face higher rates due to actuarial risk tables
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Limited Driving Privilege (LDP)
about 5 days to process.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing after a DUI in Missouri?
Missouri requires SR-22 filing for 5 years from the conviction date, not the reinstatement date. If you are convicted January 1, 2025, you must maintain continuous SR-22 until January 1, 2030, even if your license is reinstated earlier. Any lapse in coverage during that period triggers automatic suspension and restarts the 5-year clock from the date you reinstate.
What happens if my SR-22 policy lapses in Missouri?
The Missouri Department of Revenue receives electronic notification from your carrier within 24 hours of a lapse and automatically suspends your license. You must purchase a new SR-22 policy, pay a reinstatement fee, and restart the entire 5-year filing period from the new reinstatement date. There is no grace period — missing a single payment triggers suspension.
Which carriers write SR-22 policies for DUI drivers in Missouri?
Most mainstream carriers (State Farm, Geico, Allstate, Progressive) will file SR-22 for existing customers but typically non-renew the policy at term. New DUI-SR-22 policies generally require non-standard market carriers like Bristol West, Direct Auto, Dairyland, GAINSCO, The General, or Acceptance. Availability varies by county and conviction class.
Does Missouri require SR-22 for a first-offense DUI?
Yes. Missouri requires SR-22 filing for all DUI convictions, including first-offense standard DUI, for 5 years from the conviction date. Aggravated first-offense convictions (high BAC, minor in vehicle, injury) carry the same 5-year filing period but higher insurance costs due to increased actuarial risk.
Can I switch SR-22 carriers in Missouri without restarting the clock?
Yes, but only if there is zero gap in coverage. Your new carrier must file the SR-22 before your old policy cancels, and you must coordinate the transition so the Missouri Department of Revenue never receives a lapse notification. Most drivers switching carriers transfer on the renewal date to avoid timing errors that trigger suspension.
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.