Missouri SR22 Insurance Filing

What is an SR-22 filing?

An SR-22 insurance filing is a special proof insurance form issued by an insurance company and filed with the Missouri Department of Revenue. The SR-22 filing certifies that you have motor vehicle liability insurance coverage that meets the minimum requirements of Missouri's financial responsibility law. Your SR-22 remains valid as long as the coverage of your SR-22 auto insurance policy remains in effect.

Why do I need an SR-22 to get my Missouri driver license reinstated?

The short answer: Because Missouri law requires it.

The long answer: Missouri law provides that a Missouri driver license shall not be reinstated after being suspended or revoked unless and until the driver has "filed proof of financial responsibility with the Department of Revenue."

That means that a driver eligible for reinstatement first must file "proof of financial responsibility" with the Department of Revenue Driver License Bureau to get their Missouri driver license reinstated.

Missouri's Motor Vehicle Financial Responsibility Law provides that a "certificate of insurance" satisfying its requirements shall constitute "proof of financial responsibility." An SR-22 satisfies all MVFRL requirements.

An SR-22 is the "proof of financial responsibility" that must be filed for a suspended or revoked Missouri driver license to be reinstated.

How long must I maintain an active SR-22 proof of insurance filing?

In Missouri, a SR-22 filing must remain active for 2 or 3 years, depending on why your driver license was suspended or revoked.

    2 Years. You must maintain an active SR-22 insurance filing with the Missouri Department of Revenue Driver License Bureau for two (2) years from date the SR-22 was required and your license was reinstated after being suspended / revoked for one or more of the following violations:

  • Points | Traffic Ticket Point Suspension / Revocation for Non-Alcohol Moving Violations (speeding, stop sign, careless and imprudent, etc.)
  • Points | Alcohol-Related Moving Violation Suspension / Revocation (DWI, DUI, BAC, vehicular manslaughter, etc.)
  • Motor Vehicle Accident Judgment
  • DWI Administrative Alcohol (adult blew .08% or more)
  • DWI Zero Tolerance (minor blew .02% or more)
  • DWI Refusal to Submit to an Alcohol/Drug Test
  • Repeat DWI Five-Year License Denial
  • Repeat DWI Ten-Year License Denial

3 Years. If your driver license was suspended for False Insurance or Mandatory Insurance violations, you must maintain an active SR-22 insurance filing for three years from the date the SR-22 was required and your license was reinstated.

What does an SR-22 look like?

Sample Missouri SR22 Filing
Click to View Sample SR-22 Filing

Low Cost SR-22 Insurance Filed For You

Compare SR-22 Rate Quotes

No single insurance company always offers the lowest rate on every SR-22 insurance filing, in every situation, for every driver.

Getting the Best Rate on an SR-22

That's why getting an SR-22 rate quote from only one auto liability insurance company can be a very costly mistake. Without having SR-22 rate quotes from other insurance companies to compare, you won't know if cheaper SR-22 insurance is available. You can't know if you are getting the best rate on your SR-22 until you compare SR-22 rates from different companies.

Get SR-22 Rate Quotes Fast

You need an SR-22 filing to get your driver license reinstated. You want it fast. Using our "Quomation" system, it takes us only a few minutes to compare rate quotes from several different Missouri auto liability insurance companies to find your lowest cost SR-22 . That's fast.

Then, we'll get your SR-22 on file faster than you ever thought possible. Often, the same day. We want your driver license reinstated quickly and will do our part to make it happen.

We Shop for Your Auto Insurance

Let us do your SR-22 shopping for you! We compare rate quotes from several Missouri auto liability insurance carriers to find the best SR-22 insurance for you at the lowest price. In some cases, taking advantage of multi-line discounts may save you up to 30% on your SR-22 insurance. As insurance brokers who represent several different insurance companies, we are in the unique position to have insurance companies compete for your business. You will get the SR-22 proof of insurance filing you need at the cheapest rate.

Best SR-22 Insurance Service

We take pride in providing our customers with the highest level of personal service. We respect the dignity and protect the privacy of our customers. All transactions are handled discreetly and all personal information is held with the utmost confidentiality.

High-Risk, Hard to Insure Drivers

We work hard to find affordable car insurance for high-risk and hard to insure drivers. We have tremendous respect for our clients and strongly believe that the past is the past. We all make mistakes. Unfortunately, some mistakes can make finding affordable auto liability coverage much more difficult than it should be.

The high-risk auto insurance companies we use aren't like the ones that already have dropped you or are now unwilling to insure you. We find auto liability insurance for drivers with some pretty bad driver records: Multiple DWI's, point suspensions/revocations, and at-fault accidents. Even with bad credit, we know where to look to find you coverage you can't afford not to have.

Driver License Reinstatement Help

Without having auto liability insurance and an SR-22 filing, you can't get your driver license reinstated. Let us help you. You'll be glad you did.

There are insured drivers on the road today that came to us believing there was no hope for them finding an insurance company who would accept them. Time and again, we've found insurance for people who came to us believing they were uninsurable. It's always nice to see how happy they are when we prove them wrong.