Need an SR-22 in Missouri? Auto Insurance Express can help you get the insurance coverage you need and submit the required SR-22 filing. Call a local agent to get started. Don't own a vehicle? Ask us about non-owner SR-22 coverage.
If you've been told you need an SR-22, you probably don't want to spend hours researching insurance. Call Auto Insurance Express and we'll help determine what type of policy you need, quote available options, issue coverage, and handle the SR-22 filing.
Need an SR-22? Call 417.206.3733
The Missouri Department of Revenue determines your complete reinstatement requirements. Auto Insurance Express handles the insurance and SR-22 portion.
An SR-22 is not a separate type of insurance policy. It is proof from an insurance company showing that you have the required liability insurance. Missouri may require proof of insurance following certain suspensions, revocations or other driving-related actions.
If an SR-22 is required, you purchase an appropriate auto or non-owner insurance policy, and the insurance company provides the filing. While it's on file, the insurer must notify the state if the policy cancels.
You may be required to provide proof of insurance because of circumstances such as:
Your individual requirement depends on your driving record and the reason for the suspension or revocation. → SR-22 for Missouri license reinstatement
You can need an SR-22 even if you don't own a vehicle. A non-owner insurance policy provides the liability coverage needed for someone who doesn't own a car but must maintain an SR-22 filing, and it usually costs less than insuring a vehicle.
Get a non-owner SR-22 quote → Non-owner SR-22 insurance in Missouri
There isn't one price for SR-22 insurance. Your premium can depend on:
The SR-22 filing itself is only a small part of the price. The driving history that caused the requirement usually has a much larger effect, and companies price the same record very differently.
Want to know what yours will cost? Call for a quote → How much SR-22 insurance costs in Missouri
There is no single answer for every Missouri driver. The required period depends on why your driving privilege was suspended, revoked or otherwise affected. Certain Missouri suspensions and revocations require proof of liability insurance for two years, while certain mandatory-insurance situations require proof for three years.
| Reason on your record | Proof required for | Counted from |
|---|---|---|
| Points (non-alcohol moving violations) | 2 years | Start of the suspension or revocation |
| Alcohol-related action (DWI, BAC, administrative alcohol) | 2 years | Start of the suspension or revocation |
| Refusal to submit to a chemical test | 2 years | Start of the revocation |
| Motor vehicle accident judgment | 2 years | Start of the suspension |
| Mandatory insurance (driving without insurance) | 3 years | Date you became eligible to reinstate |
Your Missouri Department of Revenue notice or driving record determines the requirement that applies to you. → How long do you need an SR-22 in Missouri? · Missouri DOR reinstatement requirements
Getting an SR-22 doesn't necessarily mean your license is automatically reinstated. Depending on why your privilege was suspended or revoked, Missouri may have additional requirements, such as:
Auto Insurance Express can help with the insurance and SR-22 portion. The Missouri Department of Revenue determines what else you must complete. → Missouri license reinstatement and SR-22 insurance · Check Missouri DOR reinstatement requirements
Missouri may allow certain drivers whose privileges are suspended, revoked or denied to apply for a Limited Driving Privilege, sometimes called a hardship license. An SR-22 is required to obtain and keep one. Alcohol-related suspensions use a separate Restricted Driving Privilege instead. → Missouri Limited Driving Privilege and SR-22 insurance · Missouri DOR Limited Driving Privilege information
Keeping required coverage active is important. If your required proof of insurance is no longer maintained, your insurance company notifies the state, which can create additional problems with your Missouri driving privileges. If keeping the policy active is difficult, call us before cancelling or letting it lapse so we can discuss available insurance options. → What happens if my SR-22 lapses in Missouri?
Auto Insurance Express has served Missouri drivers since 1997.
Call us or visit one of our two Springfield offices, on S. Campbell Ave and E. Kearney St, for help with auto or non-owner SR-22 insurance. → SR-22 insurance Springfield MO
Call Springfield · Campbell 417.889.3733 Call Springfield · Kearney 417.865.4800
Need an SR-22 in Joplin? Call or visit our office on S. Maiden Lane and we'll help you determine what insurance you need. → SR-22 insurance Joplin MO
Talk to someone in southwest Missouri instead of navigating the process alone.
We look for an appropriate insurance solution based on your situation, including Progressive and other companies that file SR-22s.
Own a vehicle or don't own one, we'll help determine which type of coverage you need.
SR-22 customers often need insurance quickly. Call us and we'll get started, with the filing usually submitted the same day.
Auto Insurance Express has been helping Missouri drivers for nearly three decades.
No. An SR-22 is a filing from an insurance company showing that you have liability insurance. You still need an underlying insurance policy.
Call Auto Insurance Express. Once your coverage is in force, we submit the SR-22 to the Missouri Department of Revenue electronically, usually the same day. The Department then processes it and updates your record.
Yes. Depending on your situation, a non-owner insurance policy with an SR-22 filing may be appropriate. See non-owner SR-22 insurance in Missouri.
It depends on the reason for the requirement. Certain Missouri cases require proof for two years, while certain mandatory-insurance cases require proof for three years. See how long you need an SR-22.
There is no universal price. Your premium depends on your driving history, vehicle or non-owner status, coverage, location and other rating factors. Call for an actual quote.
An SR-22 can be required in connection with certain alcohol-related suspensions or revocations. Your specific requirements depend on the action on your Missouri driving record. See SR-22 after a DWI in Missouri.
It depends on why your license was suspended or revoked. The Missouri Department of Revenue specifies the requirements for your situation. See Missouri license reinstatement and the SR-22.
Missouri calls this a Limited Driving Privilege. An SR-22 is required to obtain and keep an LDP. See Missouri Limited Driving Privilege and the SR-22.
Failing to maintain required proof of insurance can affect your driving privileges. Contact us before cancelling so we can discuss your insurance options.
We can handle the insurance and SR-22 portion. The Missouri Department of Revenue determines your complete reinstatement requirements.
Talk to a local Auto Insurance Express agent. We'll help you determine whether you need an auto or non-owner policy, quote available insurance options and handle the required SR-22 filing.
Springfield · Joplin · Serving Missouri drivers since 1997
Or send your details and an agent will call you back. Most auto quotes are finished on one call, and you can buy before you hang up.