Introduction
Hey readers,
Are you looking for SR22 insurance in Missouri? If so, you’re in the right place. I’m here to share everything you need to know about SR22 insurance in the Show-Me State.
SR22 insurance is a special type of auto insurance that is required by the state of Missouri for drivers who have been convicted of certain traffic violations, such as driving while intoxicated (DUI) or driving without insurance. SR22 insurance proves that you have the minimum amount of liability insurance required by law and that you are financially responsible for any damages you may cause in an accident.
What is SR22 Insurance?
SR22 insurance is a financial responsibility filing that is required by the Missouri Department of Revenue (DOR) for drivers who have been convicted of certain traffic violations. An SR22 insurance policy is not an insurance policy itself, but rather a certification that you have the minimum amount of liability insurance required by law.
Who Needs SR22 Insurance?
You may need SR22 insurance if you have been convicted of any of the following traffic violations in Missouri:
- Driving while intoxicated (DUI)
- Driving without insurance
- Driving with a suspended or revoked license
- Leaving the scene of an accident
- Reckless driving
How to Get SR22 Insurance in Missouri
Step 1: Get a Quote
The first step to getting SR22 insurance in Missouri is to get a quote from an insurance company. You can do this by calling an insurance agent or visiting an insurance company’s website.
Step 2: Purchase a Policy
Once you have a quote, you can purchase an SR22 insurance policy. You will need to pay the premium for the policy and provide the insurance company with your driver’s license number and the date of your conviction.
Step 3: File an SR22 Form
Once you have purchased an SR22 insurance policy, you will need to file an SR22 form with the Missouri DOR. You can do this online or by mail.
SR22 Insurance Costs in Missouri
The cost of SR22 insurance in Missouri varies depending on a number of factors, including your driving record, the type of policy you purchase, and the insurance company you choose. However, you can expect to pay between $500 and $1,000 per year for SR22 insurance.
SR22 Insurance Requirements in Missouri
The minimum amount of liability insurance required for SR22 insurance in Missouri is:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
How Long Do I Need SR22 Insurance?
The length of time you need SR22 insurance varies depending on the type of traffic violation you were convicted of. For example, if you were convicted of DUI, you will need SR22 insurance for three years.
Table of SR22 Insurance Requirements in Missouri
| Violation | SR22 Requirement |
|---|---|
| DUI | Three years |
| Driving without insurance | Two years |
| Driving with a suspended or revoked license | One year |
| Leaving the scene of an accident | One year |
| Reckless driving | One year |
Conclusion
SR22 insurance is a serious matter, but it doesn’t have to be difficult to understand. If you have been convicted of a traffic violation in Missouri, you may need SR22 insurance. By following the steps outlined in this article, you can get SR22 insurance quickly and easily.
If you have any other questions about SR22 insurance in Missouri, please check out the following articles:
FAQ about SR22 Insurance Missouri
What is SR22 insurance?
- SR22 insurance is a type of financial responsibility insurance that is required by the state of Missouri for drivers who have had their licenses suspended or revoked due to certain traffic violations.
Who needs SR22 insurance?
- Drivers who have been convicted of driving while intoxicated (DWI), driving under the influence (DUI), or refusing a breathalyzer test are typically required to obtain SR22 insurance.
How long do I need to have SR22 insurance?
- The length of time that you need to maintain SR22 insurance varies depending on the specific violation that you were convicted of. In general, you will need to have SR22 insurance for three years.
How much does SR22 insurance cost?
- The cost of SR22 insurance varies depending on your driving record and other factors. However, you can expect to pay between $500 and $1,000 per year.
What if I can’t afford SR22 insurance?
- If you cannot afford the cost of SR22 insurance, you may be able to qualify for a hardship exemption. This exemption will allow you to drive without SR22 insurance if you can prove that you are unable to afford it.
How do I get SR22 insurance?
- You can obtain SR22 insurance from any insurance company that is licensed to do business in Missouri. You can either purchase the insurance online or through an insurance agent.
What happens if I don’t have SR22 insurance?
- If you are caught driving without SR22 insurance, your license will be suspended or revoked. You may also be subject to fines and jail time.
How do I find out if I need SR22 insurance?
- You can check with the Missouri Department of Revenue (DOR) to see if you have been ordered to obtain SR22 insurance. You can also check your driver’s license to see if it has an SR22 designation.
What if I move out of Missouri?
- If you move out of Missouri and you are still required to have SR22 insurance, you will need to obtain SR22 insurance in your new state.
What if I have questions about SR22 insurance?
- If you have any questions about SR22 insurance, you can contact the Missouri DOR at (573) 751-4000.