Updated March 2026
State Requirements
Missouri requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Uninsured motorist coverage at the same limits is also required unless waived in writing. SR-22 filing is triggered by DUI convictions, driving without insurance, multiple serious violations, or license suspension. Missouri uses an 8-point suspension threshold for drivers over 18, with points remaining on your record for 3 years from the conviction date.
Cost Overview
High-risk drivers in Missouri pay an average of $2,200–$4,500 annually for full coverage, depending on violation type and driving history. DUI convictions trigger the highest rate increases—often 80–150% above standard rates—while at-fault accidents and speeding tickets typically increase premiums by 20–50%. Rates begin to decrease as violations age, with most drivers seeing substantial rate recovery within 3–5 years if no new incidents occur.
What Affects Your Rate
- DUI convictions increase rates by 80–150% for 5+ years in Missouri
- At-fault accidents raise premiums by 20–50% depending on claim severity and frequency
- Speeding tickets 15+ mph over the limit typically add 15–30% to base rates
- SR-22 filing itself adds $15–$50 one-time, but the underlying violation drives the rate increase
- Points remain on your Missouri driving record for 3 years and affect rates for that period
- Non-standard carriers may charge 30–60% more than standard market but offer coverage when others decline
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause in an at-fault accident. Missouri's 25/50/25 minimums are legally required but often insufficient after serious accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or a hit-and-run driver. Required in Missouri unless waived in writing.
SR-22 Insurance
Proof-of-insurance certificate filed by your carrier to the Missouri Department of Revenue. Required for DUI, driving without insurance, and license suspensions.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders for financed or leased vehicles.
Non-Standard Auto Insurance
Specialty coverage for drivers with DUIs, suspensions, lapses, or multiple violations. Higher premiums but provides access when standard carriers decline.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident or collision with an object. Optional unless required by lender.
