If your Missouri
driver’s license is suspended due to a motor vehicle accident judgment or another serious traffic violation, but you don’t own a car, you will be required to file an SR-22
as proof of liability insurance—but unfortunately, not every insurance company offers SR-22 coverage for non-owner policies
. What is SR-22 insurance?
While it’s common to see “SR-22” used in conjunction with insurance policies, an SR-22
isn’t actually insurance at all—it’s a certificate of financial responsibility, filed with Missouri’s DMV by your auto insurance company. In the fundamental sense, an SR-22 filing confirms that you have purchased a car insurance policy that meets Missouri's minimum liability insurance
requirements. Should you ever commit a major moving violation—such as driving under the influence—you will need to file an SR-22 certificate to reinstate your driving privileges
. Missouri auto insurance requirements
Under Missouri state law, all registered drivers must purchase the following amounts of insurance:
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Who needs an SR-22?
Generally speaking, the only people who need—or rather, those who are required to file an SR-22— are those drivers considered to be high-risk. High-risk drivers are drivers who have had their license suspended following a motor vehicle accident judgment or some other serious traffic violation, such as driving without a license or driving under the influence
. An SR-22 is required if you hope to reinstate your driving privileges, regardless of whether you have a car to insure.
How to get non-owner SR-22 insurance in Missouri
If you have been requested to file an SR-22 by the state of Missouri but don’t own a vehicle, the simplest solution is to purchase non-owner car insurance, which is precisely what it sounds like—liability insurance for those who don’t own or have regular access to a vehicle.
Many insurance providers offer this type of non-owner policy, but not all of them meet SR-22 requirements. Companies that do offer non-owner SR-22 insurance in Missouri include State Farm, Progressive
, and USAA. The process by which you can obtain a non-owner SR-22 policy is as follows:
Contact your local insurance agencies to verify whether they offer non-owner insurance to drivers seeking to fulfill SR-22 requirements.
Obtain a few (3 - 4) quotes before deciding on a policy, as comparing car insurance
quotes is one of the easiest ways to find affordable policies. Check whether you are eligible for any insurance discounts. For example, some insurance providers provide lower premiums to drivers who pass a defensive driving course
or pay their bill in full
.
Once you’ve got a non-owner SR-22 car insurance policy, you’ll need to maintain it for at least two years after the date of your suspension. Once the SR-22 is no longer required, it’s still a good idea to keep the non-owner policy going if you borrow or rent cars frequently.
"Just for state minimum liability, I was getting quotes from $70 to over $100/month until I found Jerry
. Now my car insurance is under $30/month, or $140 for 6 months. Thank you, Jerry!” —Frank S.
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