Missouri DUI Insurance

What you need to know about Missouri DUI, SR22 insurance and ignition interlock.

Missouri DUI insurance (SR22) is high-risk insurance the state requires you to carry after a DUI/DWI conviction. As a condition for license reinstatement, you’ll buy SR22 insurance after a mandatory 90-day license suspension and completion of any other state requirements. The SR22 certificate is a guarantee of financial responsibility. If you let your policy lapse while the state requires you to have this insurance, you’ll lose your license again.

Drivers of all ages applying for Missouri DUI insurance (SR22) often have a common misconception. For instance, they believe they’re still in complete control after having one glass of wine. That may or may not be true, but just the smell of alcohol on your breath can trigger a DUI or DWI arrest.

In a real-life example of a cascade of events, a driver who had been drinking had his car break down. He pulled over to call a towing company for help, and while waiting, an officer passing by stopped to assist him. The officer smelled alcohol and subsequently arrested him for DUI.

What happens after a DUI arrest?

Missouri DWI laws are strict. If your blood alcohol concentration (BAC) measures 0.08 or higher, you are subject to a DUI arrest. The minimum BAC threshold is even lower if you’re under 21 or if you’re a commercial driver.

A DUI or DWI conviction leads to a 90-day mandatory license suspension. You will need to complete several license reinstatement requirements during and after this required suspension. Then you’ll need to get Missouri DUI insurance to reinstate your driving privileges.

You may also need to get an ignition interlock device installed in your car if the circumstances of your arrest warrant it.

What’s the purpose of Missouri DUI insurance?

SR22 DUI insurance acts as a guarantee that you will keep in force the minimum liability insurance Missouri requires. A licensed Missouri DUI insurance agent attaches the SR22 certificate to an auto insurance policy and files it with the Missouri DMV. You will have to keep this insurance for a specific time. During this time, the insurance underwriter monitors SR22 policies to ensure they do not have a lapse of coverage. If you fail to keep your policy current, the state will suspend your license again.

Missouri SR22 without a car

What if you need Missouri DUI insurance but don’t own a car? In this case, you’ll get Missouri non owner SR22 insurance, and the same requirements will apply to you as it does to car owners. Non-owner insurance coverage is different than the coverage for auto policies.

Ignition Interlock for license reinstatement

Persons with two or more DUI convictions must install an approved Missouri ignition interlock device (IID) in their vehicle as a condition of license reinstatement. UltraCar Insurance partners with Intoxalock® to provide this required service for our customers. We make it easy for you to get what you need for license reinstatement: SR22 insurance, your DMV filing, and ignition interlock installation.

Missouri SR22 insurance resources

The Missouri Department of Revenue (Driver License) website many more details regarding DWI laws and penalties.

UltraCar Insurance for Missouri license reinstatement

When you need Missouri DUI insurance, our expert, licensed agents will make your SR22 filing process easy! We have low rates for owner and non-owner SR22 policies. Start an online quote or talk with us today.

This article was last updated on September 12th, 2022 by UltraCar Insurance

Back