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
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Frequently Asked Questions
Sources
- Missouri Department of Revenue - Driver License Bureau
- Missouri Department of Insurance, Financial Institutions and Professional Registration
- Insurance Information Institute - Uninsured Motorists Statistics