Violation Insurance
Get a Quote
A curving two-lane road with a yellow center line runs through hills of autumn-colored trees, with a moss-covered rock outcrop and fallen leaves in the foreground under a cloudy sky.

Missouri DUI & Serious Violation Insurance Guide

Missouri requires 25/50/25 liability coverage and is an at-fault state.

Find Coverage for My Situation

Missouri at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

Uninsured motorist coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Missouri

After a DUI conviction or serious violation in Missouri, most insurers will not cancel your policy immediately — they will typically non-renew it when your current term ends, giving you 30–60 days to find replacement coverage. The Missouri Department of Revenue will require you to file an SR-22 certificate proving you carry the state's minimum liability coverage for a period ranging from 2 to 5 years, depending on the offense. Not all carriers offer SR-22 filing, so you'll need to shop with non-standard or high-risk insurers who specialize in this market.

SR-22 Certificate Filing

An SR-22 is not a type of insurance — it is a certificate your insurer files with the Missouri Department of Revenue proving you carry at least the state's minimum liability coverage (25/50/25). Not all carriers offer SR-22 filing; you must use an insurer licensed to file in Missouri. If your coverage lapses during the SR-22 period, your insurer is required to notify the state immediately, which will result in license suspension.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers typically offer SR-22 filing and accept drivers that standard insurers will not. Rates are higher than standard market, but coverage options are comparable.

Liability Coverage

After a DUI or serious violation, this is the minimum you must maintain during your SR-22 filing period. Many drivers carry higher limits to protect assets and reduce out-of-pocket exposure in the event of an at-fault accident.

High-Risk Auto Insurance

High-risk auto insurance is a classification carriers use for drivers with recent DUIs, multiple violations, at-fault accidents, or license suspensions. Coverage types are the same as standard policies (liability, collision, comprehensive), but pricing reflects the elevated risk. Policies are typically offered on shorter terms (6 months) and require SR-22 filing if mandated by the state.

Collision and Comprehensive Coverage

Collision and comprehensive coverage are optional in Missouri but may be required by your lender if you finance or lease your vehicle. After a violation, these coverages will be priced higher than standard market, but they protect your vehicle's value in the event of an accident, theft, or damage.

What Drivers Pay in Missouri

$237–$262/mo

Typical monthly rate in Missouri, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation: rates begin to decrease after 3–5 years if no additional violations occur
  • Age and gender: younger drivers (under 25) with violations face the steepest increases
  • Location: urban areas like St. Louis and Kansas City have higher rates due to increased accident frequency and theft risk
  • Carrier availability: fewer carriers offer SR-22 filing in Missouri, reducing competition and limiting rate options
  • Payment plan: many non-standard carriers require full payment upfront or charge higher fees for monthly installments
A woman in a white t-shirt and light cardigan with a tan shoulder bag stands beside an open car door on a tree-lined residential street.

Get Back to a Fair Rate After a Violation

Find Coverage for My Situation

Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with recent DUIs, violations, or suspensions. Policies include SR-22 filing when required by the state and offer the same coverage types as standard insurance (liability, collision, comprehensive) at elevated rates reflecting your risk profile.

Non-Standard Auto Insurance

Insurance from carriers that accept drivers standard insurers will not cover. These companies specialize in DUI, lapse, and violation cases and can file SR-22 certificates on your behalf.

SR-22 Insurance

Not a separate insurance product — SR-22 is a certificate your insurer files with Missouri proving you carry the required liability coverage. The filing itself costs $15–$50, but the underlying policy will be priced as high-risk.

Liability Insurance

Covers damages you cause to others in an at-fault accident. Missouri requires minimum limits of 25/50/25, but higher limits are recommended to protect personal assets.

Find Your City in Missouri

Kansas City

urban

St. Louis

urban

Springfield

urban

Columbia

suburban

Independence

suburban

Lee's Summit

suburban

O'Fallon

suburban

St. Joseph

urban