What is SR22 and what does it mean in Missouri?

In Missouri, an SR22 certificate is mandated for drivers seeking to regain their driving privileges after serious traffic infractions. Filed by an insurance company with Missouri’s DMV, it serves as proof that the driver has acquired the necessary minimum liability insurance coverage.

Required following offenses like DUI, driving without adequate insurance, or multiple traffic violations, an SR22 signals the driver’s high-risk status to insurers and the state. As a consequence, securing auto insurance with an SR22 typically means higher premiums for the driver, who must maintain this certification for a stipulated period, usually three years, without any insurance gaps.

Drivers faced with a Missouri SR22 requirement should compare insurance rates to find the most affordable coverage. A focus on safer driving practices can help mitigate high-risk status and lower insurance costs over time.