Best Missouri SR-22 Insurance in 2024 (Top 10 Companies Ranked)

The best Missouri SR-22 insurance are from Nationwide, State Farm, and Geico, with minimum coverage starting at $18 per month. Nationwide offers an "On Your Side Review" to help SR-22 filers optimize coverage and discounts.

State Farm provides local agent expertise on Missouri requirements. Geico's DriveEasy program allows SR-22 filers to earn discounts through safe driving. High-risk drivers can lower costs at these insurers by switching car insurance companies to save money.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A+	Affordable Rates	Nationwide
	#2	17%	B	Reliable Service	State Farm
	#3	25%	A++	Broad Discounts	Geico
	#4	10%	A++	Military Benefits	USAA
	#5	10%	A+	Usage Flexibility	Progressive
	#6	25%	A	Customer Loyalty	American Family
	#7	13%	A++	Consistent Savings	Travelers
	#8	25%	A	Diverse Coverage	Liberty Mutual
	#9	20%	A	Custom Options	Farmers
	#10	25%	A+	Comprehensive Plans	Allstate

In this article, we explore Missouri's SR-22 insurance essentials, rates and discounts. See if you’re getting the best deal on car insurance by entering your ZIP code above.

What You Should Know

• Nationwide provides an annual "On Your Side Review" to optimize coverage
• State Farm offers the Steer Clear program for young drivers to earn discounts
• Geico's DriveEasy program allows Missouri SR-22 filers to earn discounts

#1 – Nationwide: Top Overall Pick

Pros

• Budget-Friendly Premiums: Nationwide offers cost-effective SR-22 insurance rates in Missouri at $23/month for minimum coverage.
• On Your Side Review: Annual policy review helps Missouri SR-22 filers optimize their coverage and discounts.
• SmartMiles Program: Pay-per-mile option for low-mileage Missouri drivers needing SR-22 coverage. Learn more about this program in our Nationwide car insurance review.

Cons

• Coverage Gaps: Specialized coverages are unavailable for Missouri SR-22 policyholders.
• Average Customer Service: Missouri SR-22 filers experience longer wait times for support compared to other insurers.

#2 – State Farm: Best for Reliable Service

Pros

• Local Agent Expertise: Missouri SR-22 filers benefit from State Farm's vast network of agents familiar with local requirements.
• Steer Clear Program: Young Missouri drivers earn discounts by completing this safe driving program. (Read More: State Farm Car Insurance Review)
• Banking Services Integration: Missouri policyholders can link insurance payments with State Farm banking products for potential benefits.

Cons

• Traditional Approach: State Farm's conventional methods don't appeal to tech-savvy Missouri SR-22 filers.
• Limited Risk Acceptance: Drivers with severe violations struggle to obtain SR-22 coverage with State Farm in Missouri.

#3 – Geico: Best for Broad Discounts

Pros

• DriveEasy Program: Missouri SR-22 filers earn discounts based on safe driving habits tracked through Geico's app.
• Prime Time Contract: Offers guaranteed renewability for Missouri drivers over 50 meeting certain criteria.
• Efficient Claims Process: Missouri policyholders benefit from Geico's streamlined procedures to file a car insurance claim.

Cons

• Limited Physical Offices: Missouri SR-22 filers have difficulty finding local Geico agents for in-person assistance.
• Basic Policies: Geico's standard policies lack specialized coverages offered by other insurers in Missouri.

#4 – USAA: Best for Military Benefits

Pros

• Military-Focused Perks: Offers unique benefits like vehicle storage discounts for deployed Missouri service members.
• SafePilot Program: Missouri SR-22 filers earn up to 30% off for safe driving habits. Learn more about this program in our USAA car insurance review.
• Accident Forgiveness: First at-fault accident forgiveness for qualifying Missouri policyholders.

Cons

• Strict Membership Criteria: Only available to military members, veterans, and their families in Missouri.
• Limited Product Offerings: Specialized insurance products are unavailable for Missouri SR-22 filers.

#5 – Progressive: Best for Usage Flexibility

Pros

• Name Your Price Tool: Helps Missouri SR-22 filers find policies that fit their budget and coverage needs. (Learn More: Progressive Car Insurance Review)
• Snapshot Rewards: Immediate discount for Missouri drivers who sign up for this usage-based program.
• Pet Injury Coverage: Included with collision coverage for Missouri policyholders at no extra charge.

Cons

• Rate Fluctuations: Missouri SR-22 insurance rates with Progressive increase more after violations compared to competitors.
• Average Customer Satisfaction: Missouri policyholders report mixed experiences with Progressive's customer service.

#6 – American Family: Best for Customer Loyalty

Pros

• DreamSecure Senior Term Life: As mentioned in our review of American Family car insurance they offer life insurance options for Missouri SR-22 filers over 50.
• MyAmFam App: Provides easy policy management and digital ID cards for Missouri policyholders.
• Diminishing Deductible: Missouri drivers earn credits towards their deductible for each year of safe driving.

Cons

• Regional Limitations: Coverage is unavailable in certain parts of Missouri.
• Higher Rates: SR-22 insurance premiums in Missouri are higher than competing providers.

#7 – Travelers: Best for Consistent Savings

Pros

• IntelliDrive Program: Missouri SR-22 filers save based on driving behavior monitored through a smartphone app.
• Affinity Group Discounts: Special rates for Missouri SR-22 policyholders affiliated with partner organizations. (Read More: Travelers Car Insurance Review)
• Responsible Driver Plan: Offers accident and minor violation forgiveness for eligible Missouri drivers.

Cons

• Complex Policies: Missouri SR-22 filers find Travelers' coverage options and terms difficult to understand.
• Limited Local Presence: Fewer physical locations in Missouri for in-person SR-22 assistance.

#8 – Liberty Mutual: Best for Diverse Coverage

Pros

• RightTrack Program: Missouri SR-22 filers save through this usage-based insurance option. As mentioned in our car insurance review of Liberty Mutual.
• Teacher and Military Discounts: Special rates for Missouri educators and service members needing SR-22 coverage.
• 12-Month Rate Guarantee: Offers rate protection for Missouri SR-22 policyholders for a full year.

Cons

• Above-Average Premiums: Liberty Mutual's SR-22 insurance in Missouri is pricier than many competitors.
• Inconsistent Customer Service: Missouri policyholders report varying experiences with claims handling and support.

#9 – Farmers: Best for Custom Options

Pros

• Signal Program: Missouri SR-22 filers earn discounts based on safe driving habits tracked through Farmers' app.
• Rideshare Coverage: Specialized protection for Missouri SR-22 filers who also drive for rideshare companies.
• Incident Forgiveness: In our Farmers car insurance review they forgive one at-fault accident for every three years of safe driving for Missouri policyholders.

Cons

• Higher Than Average Rates: Farmers' SR-22 insurance premiums in Missouri are often higher than competitors.
• Complicated Quote Process: Missouri SR-22 filers find obtaining accurate quotes from Farmers time-consuming.

#10 – Allstate: Best for Comprehensive Plans

Pros

• Drivewise Program: Missouri SR-22 filers earn cash back for safe driving through Allstate's telematics option.
• Claim Satisfaction Guarantee: Allstate offers a guarantee for Missouri SR-22 policyholders' satisfaction with claims handling.
• Deductible Rewards: Learn how Missouri drivers can reduce their deductible by $100 for each year of safe driving, up to $500 in our Allstate car insurance review.

Cons

• Expensive Premiums: Allstate's SR-22 insurance in Missouri is often more costly than many competitors.
• Limited Discounts: Fewer cost-saving opportunities for Missouri SR-22 filers compared to other insurers.

Missouri SR-22 Insurance Cost

In Missouri, car insurance with an SR-22 is costly. It’s not the filing fees that drive up the price. It’s the insurance premiums that rise after a driving citation leads to the need for the SR-22.

The increase in cost varies with the number and seriousness of your violations in Missouri. Compare rates from Missouri's top providers in the table outlined below:

Insurance Company	Minimum Coverage	Full Coverage
	$52	$148
	$37	$106
	$48	$135
	$32	$90
	$46	$129
	$23	$66
	$35	$98
	$30	$85
	$40	$114
	$18	$50

The table reveals SR-22 insurance rates in Missouri. USAA has the lowest rates, but it is only for military families. Look beyond just the price when selecting your insurance provider and what kind of car insurance you really need . Always compare several quotes.

Missouri SR-22 Essentials

Every driver must have insurance in Missouri. If you don’t carry the minimum, you risk losing your license. The law demands certain liability coverages from all drivers. Here's Missouri requirements:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident

Missouri requires SR-22 insurance for drivers with serious traffic violations or repeated offenses. This filing proves you maintain minimum liability coverage. Here are the main reasons you might need SR-22 insurance:

• DUI or DWI conviction.
• Driving without insurance or with a suspended license.
• Multiple traffic violations or at-fault accidents.
• Reckless driving or causing a fatal/injury accident.
• Failure to pay fines or refusing a breathalyzer test.

Remember, SR-22 filings are temporary, and with responsible driving, you can work towards standard insurance rates in the future. Read our article titled "penalty for driving without car insurance" for more information.

Finding Missouri SR-22 Discounts

SR-22 insurance in Missouri can be expensive. Still, many insurance companies provide discounts to ease the burden of costs. One common discount is for good students, who earn lower rates for their academic efforts. Let’s look at the different discounts offered by leading SR-22 insurance providers in Missouri.

As you can see, there are numerous ways to save on Missouri SR-22 insurance, even with a less-than-perfect driving record. The Good Student discount, in particular, can provide significant savings for young drivers maintaining good grades.

Insurance Company	Available Discount
	Multi-policy, Good student, Defensive driving, Auto safety equipment, Loyalty, Accident-free, Early-bird discount
	Multi-policy, Safe driver, Homeowner, Bundling auto and home, Good student, Anti-theft, Alternative fuel vehicle, Signal usage-based driving discount
	Multi-policy, Anti-theft, Defensive driving, Good driver, Good student, Military, Seat belt use, New vehicle, SR-22 filing discount
	Multi-policy, Early shopper, Military, Hybrid vehicle, Safe driver, Homeowner, Paperless billing, Good student, Violation-free
	Multi-policy, Safe driver, Anti-theft, Automatic payments, Defensive driving, Good student, Accident-free, Paperless billing
	Multi-policy, Safe driver, Good student, Continuous insurance, Homeowner, Pay-in-full, Snapshot usage-based discount, SR-22 discount
	Multi-policy, Accident-free, Defensive driving, Safe vehicle, Good student, Vehicle safety, Anti-theft, Driver training
	Multi-policy, Good student, Homeowner, Safe driver, Continuous insurance, Hybrid/electric vehicle, Automatic payment, New car
	Multi-policy, Safe driver, Defensive driving, New vehicle, Vehicle storage, Military, Good student, Family legacy
	Multi-policy, Accident-free, Defensive driving, Safe vehicle, Good student, Vehicle safety, Anti-theft

Ask your insurance provider about the discounts they offer. Think about bundling your policies or taking a defensive driving course. These steps can help reduce your costs.

It's a way to make your SR-22 insurance easier to bear while still following the law in Missouri. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history (in some states)
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

• Cost
• Customer Service
• Overall Experience
• Claim service
• Purchasing experience
• Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.