Elijah Black

Lead Insurance Writer

Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

Lead Insurance Writer

Rachael Brennan

Licensed Auto Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

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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!