Being required to file an SR22 in Missouri can be frustrating, especially if you don’t currently own a car. Fortunately, purchasing a non-owner SR22 insurance policy provides a way to meet state requirements and legally drive again.
Below we’ll cover everything you need to know about getting non-owner SR22 insurance in Missouri, including:
- What is non-owner SR22 insurance?
- When you need to file an SR22
- Missouri SR22 requirements
- Cost of non-owner SR22 insurance
- How to purchase a policy
- Maintaining continuous coverage
- Limitations and exclusions
- Alternatives like state high-risk pools
- Steps for canceling non-owner SR22 insurance
- FAQs about SR22 insurance in Missouri
Follow this guide to understand your options and successfully obtain affordable non-owner SR22 coverage in Missouri.
What Is Non-Owner SR22 Insurance?
Non-owner SR22 insurance is a car insurance policy that covers you when driving non-owned vehicles, plus includes filing an SR22 form on your behalf to satisfy state requirements.
An SR22 is not actual insurance. Rather, it’s a form that your insurer files with the Missouri Department of Revenue to prove you have adequate liability coverage to drive legally.
Non-owner SR22 insurance provides liability protection when you drive borrowed, rented, or rideshare vehicles. It meets minimum auto insurance requirements so you can successfully complete your SR22 filing mandate.
When Do You Need to File an SR22 in Missouri?
Common situations that trigger mandatory SR22 requirements in Missouri include:
- DUI or DWI convictions
- Multiple traffic violations like reckless driving
- Causing an accident without insurance
- License suspensions or revocations
- Failure to pay child support
- Too many points on your driving record
SR22 requirements are in effect for 2-3 years depending on your violation. You must maintain continuous auto insurance coverage during this time.
Missouri SR22 Insurance Minimum Requirements
To successfully file an SR22, your non-owner insurance policy must meet Missouri’s minimum liability coverage amounts:
- $25,000 bodily injury per person – Covers injuries to others in an at-fault accident
- $50,000 bodily injury per accident – Total per accident bodily injury coverage
- $25,000 property damage – Covers damage to others’ property
- $25,000 per person uninsured motorist coverage – Covers your injuries caused by an uninsured driver
These limits are typically sufficient for an SR22, unless the state specifically directs you to carry higher amounts.
How Much Does Non-Owner SR22 Insurance Cost in Missouri?
The average cost for non-owner SR22 insurance in Missouri is $200 to $500 per year. However, prices can range from as low as $150 per year up to $750 or more depending on your unique risk factors.
You’ll also pay a one-time $15 to $25 SR22 filing fee when purchasing the policy.
Compared to standard car insurance, expect to pay about 3% more for non-owner coverage with an SR22. The increase covers the added risk posed by drivers who require SR22 filings.
How to Purchase Non-Owner SR22 Insurance in Missouri
Follow these steps when shopping for non-owner SR22 insurance:
Compare quotes – Get quotes from at least 3 insurance providers to find the best rate. Compare costs for policies that just meet state minimums.
Ask about SR22 filing – Confirm the insurer will electronically file Form SR22 directly with the DOR. Make sure they file quickly to avoid coverage gaps.
Provide your case details – Insurers will want information like your license number, case number, violations, etc. to process the SR22.
Pay initial premium + fees – Make first payment for the full policy term plus the SR22 filing fee.
Verify SR22 filing – Check with the DOR that they received the SR22 proof from your new insurer after a week or so.
Maintain coverage – Keep the policy active throughout your SR22 requirement period. Lapses in coverage can extend your required filing timeframe.
Maintaining Continuous Insurance Coverage
The most important aspect of having an SR22 is keeping your policy active throughout the entire period you are mandated to file.
If you let your non-owner SR22 insurance lapse, the DOR will suspend your license again. You’ll also have to restart your SR22 filing timeline and may need to provide proof of future insurability.
Avoid any coverage gaps by:
- Auto-renewing your policy
- Paying premiums on-time
- Notifying your insurer of changes right away
- Shopping early for replacement coverage as renewal approaches
Limitations of Non-Owner SR22 Insurance Policies
While non-owner SR22 insurance meets state minimums, be aware of key limitations:
No coverage for damage to vehicles you drive – Only covers damage you cause others in an at-fault accident.
No medical payments or uninsured motorist coverage – These are not legally required, so typically excluded.
No access to regular policy discounts – Usually won’t qualify for good driver, multi-policy, etc. discounts.
Limited insured drivers – May only cover you, not additional people.
Exclusions for regular vehicle use – Check your policy details for exclusions.
Understand how these common non-owner SR22 insurance exclusions may affect your protections before purchasing a policy.
Alternatives to Non-Owner SR22 Insurance in Missouri
Non-owner policies aren’t your only option for completing SR22 requirements. Alternatives include:
Missouri Auto Insurance Plan – State program providing higher risk insurance, including SR22s.
Adding a family member’s policy – Become a listed driver on a relative’s insurance in the same household.
Public transportation – Avoid driving altogether by relying on transit until your violation period ends.
Restoring good driving record – If possible, take a defensive driving course to reduce points and potentially remove the SR22 requirement.
For drivers who truly don’t need regular vehicle access, using alternatives like public transit while repairing your driving record can remove the need for non-owner insurance altogether.
How to Cancel Non-Owner SR22 Insurance in Missouri
To cancel a non-owner SR22 insurance policy properly in Missouri:
- Notify your insurer at least 30 days before your policy term ends to avoid automatic renewal.
- Obtain new SR22 coverage before canceling your current policy to avoid gaps.
- Request confirmation of cancellation in writing from your insurer.
- Verify the DOR is aware of your policy cancellation by checking your filing status.
- Return any prorated premium overpayment to your insurer if requested.
Canceling your SR22 insurance improperly could lead to license suspension or the need to start your SR22 requirements all over. So follow all steps carefully.
Frequently Asked Questions about SR22 Insurance in Missouri
Below are answers to some common questions about non-owner SR22 insurance requirements in Missouri:
How long will I need an SR22 in Missouri?
Expect to maintain your SR22 filing for 2-3 years depending on your violation. DUIs require 3 years of SR22 coverage. Other moving violations like reckless driving require 2 years.
Can I get non-owner SR22 insurance if someone in my household has a car?
Most insurers prohibit issuing non-owner SR22 policies to anyone with regular household vehicle access. This helps prevent mis
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