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.
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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