How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
SR-22 Insurance
SR-22 is a certificate proving you carry state-minimum liability coverage, filed electronically by your carrier. Missouri requires SR-22 for most DUI convictions and some point-based suspensions for 2 years.
Non-Owner SR-22
Non-owner policies provide liability coverage without insuring a specific vehicle, satisfying reinstatement requirements for drivers who don't own a car. Monthly premiums typically run $40-$70 for minimum coverage with SR-22 filing.
Liability Insurance
Missouri requires 25/50/25 liability minimums: $25,000 per person for injury, $50,000 per accident, $25,000 for property damage. Suspended drivers pay 60-120% more than standard rates for the same coverage.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you when hit by a driver with no insurance. Missouri has a 14% uninsured driver rate, above the national average of 12.6%.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers, including those with suspensions, DUIs, or multiple violations. Expect rates 40-300% higher than standard market, depending on violation type and state filing requirements.
