Minimum Coverage Requirements in Missouri
Missouri requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers who accumulate 8 points in 18 months face suspension and may need SR-22 certification to reinstate their license. SR-22 filing is also required for DUI convictions, major violations, and uninsured accidents. These minimums provide baseline compliance but often leave high-risk drivers exposed to out-of-pocket costs after an at-fault accident.
How Much Does Car Insurance Cost in Missouri?
High-risk auto insurance rates in Missouri vary widely based on violation type, age, location, and coverage limits. A single DUI typically increases premiums by 80–120%, while minor speeding tickets may add 20–30%. Drivers with SR-22 requirements generally pay $2,160–$4,800 annually, though rates begin to decline after 3 years if no additional violations occur.
What Affects Your Rate
- Type of violation: DUI increases rates far more than a speeding ticket or minor at-fault accident
- Number of points on your Missouri driving record and how recently they were added
- Whether SR-22 filing is required and for how long it must remain active
- City and ZIP code: urban areas like St. Louis and Kansas City see higher rates due to accident frequency and uninsured driver rates
- Credit-based insurance score, which Missouri allows insurers to use in underwriting and rating
- Time since violation: rates drop significantly after 3 years and return closer to standard after 5 years with a clean record
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required by Missouri law and the foundation of any SR-22 filing.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage. Required for license reinstatement after DUI, suspension, or uninsured driving.
Full Coverage
Liability plus collision and comprehensive coverage. Protects your vehicle and finances after an accident, theft, or weather damage.
Non-Standard Auto Insurance
Policies from carriers that specialize in high-risk drivers, including those with DUIs, suspensions, or SR-22 requirements.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by an uninsured or underinsured driver.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash.
