Missouri drivers with a suspended license will need to buy SR22 insurance Missouri to have their driver’s license reinstated. SR22 is a financial responsibility form (certificate) attached to their auto insurance policy.
What happens when I buy SR22 insurance Missouri?
You’ll purchase an SR22 certificate from an insurance provider licensed in Missouri. If your current insurance company doesn’t offer high-risk insurance, you can find a provider locally or online who can write you a new insurance policy with the SR22 attachment. An agent files the certificate with the Missouri Department of Revenue (DOR), which starts the license reinstatement process.
After the state processes your filing, it considers it a guarantee of future financial responsibility. In exchange for restoring your driving privileges, you promise to remain properly insured when the state requires it. In most cases, the state requires SR22 insurance in Missouri for three years. If your policy lapses or is canceled during that time, your insurance provider sends an SR26 filing to the DOR, which results in the repeat suspension of your license.
Reasons you may need an SR22 filing
All vehicle owners must comply with the state’s minimum liability insurance laws. Operating a motor vehicle without insurance can result in license suspension. Missouri can suspend your license for a variety of reasons, such as:
- Violating Missouri DWI laws
- Multiple points on the DMV record (including points for Missouri Hands-Free Driving Law violations).
- Refusal to consent to a DUI or DWI test
- Uninsured auto accidents
- Legal judgments
- Unpaid child support
Getting SR22 insurance when you don’t own a car
If you don’t own a car, truck, or motorcycle and want to reinstate your license, you can buy a non-owner SR22 insurance Missouri policy. Non-owner insurance coverage doesn’t insure a vehicle; it covers you if you occasionally drive a non-owned vehicle. It is secondary insurance to a vehicle owner’s primary insurance coverage. See Missouri Non Owner SR22 insurance for more details about this type of policy.
The Missouri Department of Revenue website has more information about topics related to SR22 insurance in Missouri:
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