How to Get Non-Owner SR-22 Insurance in Missouri

If you live in Missouri and are required to file an SR-22 but don’t own a vehicle, non-owner car insurance is your best bet—click here to learn more.
Written by Andrew Biro
Reviewed by Shannon Martin
If your
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
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:
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings

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,
, and USAA.
The process by which you can obtain a non-owner SR-22 policy is as follows:
  1. Contact your local insurance agencies to verify whether they offer non-owner insurance to drivers seeking to fulfill SR-22 requirements.
  2. 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.
  3. 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
    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
. Now my car insurance is under $30/month, or $140 for 6 months. Thank you, Jerry!” —Frank S.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings


An SR-22 is only required for Missouri drivers who have had their license suspended because of a motor vehicle accident or serious traffic violation, such as a DUI or
reckless driving
charge. Minor traffic violations may raise your insurance rates over time, but you won’t need an SR-22 unless you’ve committed a major offense.
If your license was suspended for a motor vehicle accident judgment—whether in Missouri or out-of-state—you must maintain an SR-22 certificate/proof of insurance with the Driver License Bureau for two years after the start date of your suspension.
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
Try Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings