SR-22 auto insurance can be a confusing topic, and one that many people don’t know about unless they’re ordered to purchase it because of a driving infraction. What is SR-22 insurance and why would you need it? This article answers some frequently asked questions, with information specific to our home state of Missouri.

What is SR-22 Insurance?

Filing for SR-22 coverage provides a guarantee to the Missouri Department of Revenue that you own an auto insurance policy that includes at least the minimum state liability coverage limits.

Who Needs an SR-22 Filing?

SR-22 insurance, or high-risk auto insurance, is required of drivers who have suspended or revoked licenses due to drunk driving, too many traffic ticket points or parking violations, uninsured accidents and more.

How Long Does SR-22 Status Last?

Depending on the severity of the infraction, you can typically expect to maintain SR-22 status for one to three years.

What Happens if My Coverage Lapses?

If you fail to maintain your auto insurance, your insurer will inform the Missouri Secretary of State that you are no longer carrying the required coverage. Your license will be revoked until you reinstate your insurance.

Can I Send an SR-22 Filing With My Current Auto Insurance Policy?

Filing an SR-22 acts as proof of insurance, but in most cases, that filing can be attached to your existing auto insurance policy, so long as your coverage meets state requirements. However, filing an SR-22 generally results in a substantial premium increase so it may benefit you to ask your independent insurance agent to find you the best deal.

Can I Get SR-22 Insurance if I Don’t Own a Car?

Even if you don’t own a car, you can file for a non-owners policy in order to maintain SR-22 coverage when driving any vehicles.