Missouri SR22 Insurance
What is SR22 Insurance in Missouri?
SR22 insurance is a certificate that your insurance company files with your state’s driver license bureau, proving that you are satisfying the minimum required insurance coverage in Missouri. If you have an existing insurance policy, an SR22 can be added as an endorsement.
How long do I have to keep the SR22 in Missouri?
If you are suspended in Missouri because of a motor vehicle accident, you must maintain your SR22 insurance for a period of two years. Multiple violations like driving without insurance or driving while suspended can extend your SR22 requirement period. Any additional moving violation can also add time to your SR22 requirement period.
Does SR22 increase my insurance?
In most cases, the answer is yes. The cost increase in most cases in minimal, however, some insurance companies may consider you a higher risk and decline to renew you policy.
How much does the SR22 insurance cost?
The cost of the SR22 varies, based on your driving record, age or garaging address. If you have an existing auto policy, the cost increase is usually minimal. Prices for a non-owner SR22 insurance are usually less than a $100 month.
What causes SR22 requirement in Missouri?
Most common reason for SR22 insurance is driving without insurance, a DUI or a ticket for driving while being suspended. Other reasons include failure to pay a ticket, missed court dates or even failure to maintain child support payments.
Can I get SR22 Insurance in Missouri without a car?
Yes, you can get a non-owner SR22 insurance in Missouri. The non-owner insurance is liability on you when driving a vehicle that you do not own or have available for regular use. Coverage is more restrictive than a typical auto policy. Ask you agent for advice or more information.
Can I reinstate my driver license without the SR22 insurance?
To reinstate your driver license in Missouri, SR22 insurance is required most of the time. In some cases, only paying any outstanding tickets or fines can reinstate your license. More information you can find with Missouri Motor Vehicle Department.
What is a Hardship License in Missouri?
Hardship license, also known as Limited Driving Privilege (LDP), allows you to drive on a limited basis. Hardship license must be approved by the state or the judge and is used as permission for you to drive while you are suspended and not yet eligible for a license reinstatement. You must maintain your SR22 while having your hardship license and sometimes even longer.
Driving privilege is limited to your work, school, seeking medical attention, grocery store, education and child care. You must list all places you need to drive to on the hardship application.
How can I get SR22 Insurance in Missouri?