Understanding Missouri’s SR-22 Requirement

Missouri’s Department of Revenue (DOR) requires an SR-22 certificate to confirm you carry the state’s minimum auto liability coverage. In other words, this certificate proves your financial responsibility.

For example, the DOR asks for an SR-22 after you:

• Convict a DUI or DWI
• Drive without insurance
• Lose or suspend your license
• Cause a serious at-fault accident

Do You Need an SR-22 in Missouri?

If the DOR notifies you, then you must carry an SR-22 due to a high-risk offense. Typically, you keep it active for 2–3 years without any breaks. Otherwise, the DOR will suspend your license again.

Filing Your SR-22 Certificate: Step-by-Step

Filing goes smoothly when you follow these steps carefully:

1. Select a licensed agency such as Foxx Insurance.
2. Buy liability coverage that meets Missouri’s minimum limits.
3. Ask us to file your SR-22 form electronically with the DOR.
4. Receive confirmation before you drive again.

Furthermore, we file most forms the same day at no extra cost—so you can get back on the road immediately.

What It Costs to Get Back on the Road

You pay a one-time SR-22 filing fee of about $15–$25. However, high-risk drivers often see higher premiums after a violation.

To save money, try these strategies:

• First, compare quotes from carriers like Dairyland or Progressive.
• Next, consider a non-owner SR-22 policy if you don’t own a vehicle.
• Finally, maintain a clean driving record going forward.

No Car? No Problem—You Still Need Coverage

If you rent or borrow cars, a non-owner SR-22 policy meets Missouri’s requirements without tying coverage to a specific vehicle. In fact, it often costs less than a standard policy.

For example, this option works best when you:

• Drive rental or borrowed cars
• Are between vehicles
• Need license reinstatement only

Learn more about non-owner SR-22 coverage here.

Reinstating Your Missouri License

To restore your driving privileges, you must:

• Keep your SR-22 active without interruption
• Pay all fees and court fines
• Follow any DOR instructions to the letter

Then, you can check your status or pay online at the Missouri DOR website.

Why Pick Foxx Insurance?

We run a veteran-owned agency that specializes in SR-22 filings for Missouri drivers. Consequently, we offer fast service, clear pricing, and no hidden fees.

• Same-day filing in most cases
• Flexible monthly payment plans
• Top carriers like Dairyland, Progressive, and more
• Local support across St. Louis, Kansas City, Springfield, Columbia, and beyond

Start Your SR-22 Quote Now

Getting SR-22 insurance in Missouri doesn’t have to frustrate you. Whether you own a car or not, we can help you find the right coverage fast.

➡ Get Your Free SR-22 Quote Today

If you still have questions, call us or start online—we’re here to assist you every step of the way.