Missouri Non-Owner SR-22 Insurance
If you don’t own a car, you still need car insurance to drive in Missouri. If you fall into the high-risk driver category, you also need an SR-22 certificate. This form assures the Missouri Department of Motor Vehicles within the state Department of Revenue that you have the necessary minimum liability coverage to operate a vehicle. You need to file an SR-22 before you can return to the road.
Select Insurance Group understands the requirements for Missouri non-owner SR-22 insurance. We can help you get quotes from multiple carriers and find the provider with the best rates. When you sign up for a policy, your carrier will get in touch with the DMV to file the form on your behalf. You can get your license reinstated and relax knowing that you’ve fulfilled your requirements.
Who Needs Non-Owner SR-22 Insurance in Missouri?
The state usually asks high-risk drivers to have an SR-22 for three years following the reinstatement of their license, but your requirements could vary depending on your case history.
Anyone in this category who doesn’t own a car but still drives needs a non-owner SR-22. Your non-owner policy covers you when you rent a car or borrow a vehicle from a friend, though it doesn’t apply in all cases, such as if you share a car with someone in your household.
What Are Missouri Non-Owner SR-22 Insurance Coverage Requirements?
Each state has minimum liability requirements for drivers. In Missouri, they are as follows:
- Bodily injury per occurrence: $50,000
- Bodily injury per person: $25,000
- Property damage: $10,000
How Do You Get an SR-22?
An SR-22 is not a policy. It is a form stating that you have the necessary insurance required in Missouri. When you sign up for your auto insurance, your provider will fill out the certificate for you and send it to the state. While you don’t need to send in the form yourself, you’re responsible for ensuring it remains in effect.
If you cancel your insurance for any reason and don’t have another policy in place, your SR-22 will be suspended. That may mean you have to start the license reinstatement process over.
The Cost of Non-Owner SR-22 Insurance in Missouri
The cost of auto insurance can vary depending on your past driving history. Prices are usually higher for car owners, as their coverage must include damage to their own vehicles. Non-owner SR-22 insurance is usually around $25 per month, but you can often find quotes below that price if you reach out to Select Insurance Group. Remember that the cost of an SR-22 comes on top of what you pay for your auto insurance.
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Contact Our Licensed Insurance Agents
Our licensed SR-22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.
Get Missouri Non-Owner SR-22 Insurance Quotes
At Select Insurance Group, we can connect you to insurance providers with low rates. You can choose between many providers when you use our services, and we’ll save you time by gathering the quotes. Fill out our online form today or give us a call at (855) 438-7353 to learn more.
*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.