Updated April 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.
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
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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
Sources
- Missouri Department of Revenue — SR-22 filing requirements and reinstatement procedures
- Missouri Department of Insurance — minimum liability coverage standards
- National Association of Insurance Commissioners — Auto Insurance Database Report