Missouri SR-22 Insurance
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UPDATED: Nov 2, 2020
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What is Missouri SR-22 Insurance?
The state of Missouri SR-22 car insurance form is used to ensure that certain drivers are maintaining their auto insurance requirements. This form is only required for drivers that have been classified as “High-risk”.
Six major factors affect car insurance rates in Missouri. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a MO DUI conviction.
Who Needs MO SR-22 Insurance?
“High-risk” drivers are those that have had a DWI in the past two years, anyone refusing to take a blood alcohol concentration test, and drivers that have failed to keep their automobile insurance coverage active continuously.
Are There Different Types of Missouri SR-22 Forms?
There are three different types of Missouri SR-22 auto insurance certificates. The first type, the Operator’s Certificate, is necessary when the motorist does not own a vehicle but still drives. The second type, the Owner’s Certificate, should be filed when the motorist has a registered vehicle. The third type of SR-22 form, the Operator-Owner’s Certificate is used when the motorist has more than one automobile, and drives non-owned vehicles.
Is SR-22 Insurance Required in Missouri?
If a car owner does not keep $60,000 on deposit with the Department of Revenue they are required to purchase auto insurance to cover any damages incurred during the operation of the car. The state requires a minimum of $25,000 per person for injuries, $50,000 per accident for injuries, and $10,000 per accident for property damages. Anytime there is a lapse in coverage, an SR22, or an additional $30,000 deposit will be require. A Missouri SR-22 auto insurance form is also required for two years after a DWI or BAC test refusal.
How Do I File a Minnesota SR-22 Insurance Form?
To file an SR-22 you will need to have your insurance agent fill out the paper and then send it to the DMV. There is usually an additional fee involved. To get a free quote on the Minnesota SR-22 car insurance fee simply fill out the information!