MO SR-22 financial responsibility insurance filing information. Who needs to have an SR-22 form, fees and restrictions

The state of Missouri uses the SR-22 form to help protect its citizens against problem drivers by monitoring their insurance. It requires the auto insurance company to file the SR-22 form as a proof of a problem driver’s financial responsibility, stating that his/her auto insurance liability is in effect. The state does not send notifications and it is the responsibility of the driver and the auto insurance company to submit the form as well as the renewals, to the state, if required.


There are three different types of SR-22 forms:

  1. The Operator’s Certificate covers the financial responsibility in the case the motorist does not own a vehicle.
  2. The Owner’s Certificate covers the financial responsibility for vehicles owned by the motorist.
  3. The Operators-Owners Certificate covers financial responsibility for all the vehicles that are owned or non-owned by the motorist.


The SR-22 financial responsibility Insurance form is required in the following cases:

  1. If you have any safety responsibility suspensions. For example, if an uninsured driver was involved in an accident in the past but did not pay the requisite compensation then he or she needs to fill the SR-22.
  2. If you have any unsatisfied judgment suspensions. For example, if a driver involved in an accident in the past has an unsatisfactory judgment entered against him then he or she needs to fill the SR-22.
  3. In case of reckless driving or DUI or DWI violations.


  1. Contact a state-authorized insurance agency to request for a SR-22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our Missouri auto insurance page and companies such as Esurance will allow you to request an SR-22 filing automatically.
  3. As per the State laws of Missouri, the minimum amount of coverage should be $25,000 per person for injury in one accident, $50,000 for two or more persons injured in one accident and $10,000 for property damage in one accident.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the Department of Revenue- Motor Vehicle and Driver License in about 30 days.
  5. If accepted, you will receive the SR-22 from the agency along with a letter from the Department of Revenue – Motor Vehicle and Driver License.
  6. The SR-22 has to be maintained for a minimum period of 2 years starting from the date of suspension if your license was suspended due to Motor Vehicle Accident Judgment.
  7. The SR 22 has to be maintained for a period of three years if your license was suspended for False Insurance or Mandatory insurance.


  1. If you have a license suspension for an accident in another state, you have to file an SR 22 for two years from the date of suspension.


  • An amount of $30,000 to $50,000 in the form of bonds from an authorized company can be deposited with the State treasury in place of SR22.
  • For related information, see Auto Insurance, DUI/ DWI Lawyers, DUI/DWI Information and Suspended License.
  • You can fax the SR 22 insurance filing. The fax number is 573-522-6062.
  • For more information on SR 22 filing in Missouri, you can contact:
    Missouri Driver Licence Bureau
    Motor Vehicle Division
    301, West High Street
    Jefferson City, MO 65105
    Phone 573-751-4600    

Have a Question? Get Quick Online Answers!