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Missouri SR22 Insurance

What is an SR22?

If your driver’s license is suspended, the state of Missouri will require you to file an SR22 form as one of the steps to reinstate your driving privileges. An SR22 is a form you file with your auto insurance company that proves to the state of Missouri you carry the mandatory minimum liability insurance.

There are several reasons an SR22 may be required:

  • Judgment in a vehicle accident
  • Driving without insurance
  • Failure to maintain liability insurance coverage
  • Other traffic violations

How Long Do You Need to Maintain an SR22?

In the state of Missouri, an SR22 must be maintained for two years starting the date of your license’s suspension.

Mandatory Minimum Liability Insurance Coverage in Missouri

As previously stated, part of the point of an SR22 is to prove you have the required insurance coverage. By Missouri law, the mandatory minimum liability coverage is as followed:

  • $25,000 for bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 for property damage

Missouri Driving While Intoxicated (DWI) Penalties

Driving while intoxicated (DWI) can be one of the reasons you will be required to file an SR22 with your insurance company. In the state of Missouri, your license can be suspended for 90 days following a DWI conviction. However, you may be eligible to receive Restricted Driving Privilege (RDP). With these privileges, you will be able to drive upon installing an ignition interlock device (IID). An IID is a breath analyzer that prevents your car from starting if it detects alcohol on your breath. But, keep in mind, these privileges may not be a reality if you fail to file an SR22 with your insurance company.

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