National General Quotes Missouri DUI Cases
National General accepts Missouri DUI cases and files SR-22 certificates electronically with the Director of Revenue. The carrier writes in the standard tier but prices post-DUI risk using non-standard underwriting rules, which means your quote will be significantly higher than what you paid before the conviction. Most Missouri DUI drivers receive quotes in the $230-$343/month range based on 2026 industry benchmarks for high-risk drivers in the state.
The confusion starts when you see that monthly figure and assume it's your actual payment. National General structures DUI policies with three separate cost components: the base monthly premium, a one-time SR-22 filing fee set by the carrier, and installment surcharges if you pay monthly instead of in full. The advertised rate covers only the first component.
Compare car insurance rates in your state
Get quotes from licensed carriers — no obligation, no spam, results in minutes.
Get Your Free QuoteMissouri DUI Premium Range
$230–$343/mo
This range reflects high-risk tier pricing for Missouri drivers with a DUI conviction, representing a 28-55% increase over clean-record rates. The range varies by age, county, coverage selections, and whether you maintain ignition interlock device compliance.
ValuePenguin + Insurify after-DUI by-state analysis, 2026
SR-22 Filing Adds Carrier-Set Fee
Missouri charges no state SR-22 filing fee. The Director of Revenue accepts electronic filings at no cost to the driver.
National General does not publish its exact SR-22 filing fee on its website. You will see the fee itemized on your policy declaration page or initial payment breakdown. Because Missouri requires SR-22 filing for 2 years after a DUI conviction, you pay this fee once at policy inception, not annually. If your policy lapses and you need to refile, the carrier charges the fee again.
The filing fee is separate from the premium. Most drivers miss this distinction because the quote tool shows only the recurring premium, not the one-time add-ons.
Installment Surcharges Raise Monthly Cost
National General charges an installment fee every month you carry a balance.
The installment surcharge appears as a separate line item on your billing statement, labeled as a monthly service fee or installment charge. It is not part of the premium and does not count toward your coverage. You pay it for the convenience of monthly payments instead of paying the full six-month or annual premium upfront.
Related Articles
Down Payment Structures Vary by Underwriting
National General requires a down payment at policy inception, typically equal to two months' premium plus the SR-22 filing fee and first installment surcharge. This is the actual amount due before coverage begins.
Some Missouri DUI drivers are quoted a lower down payment equal to one month's premium plus fees, but this structure is less common and typically reserved for drivers who complete the Substance Abuse Traffic Offender Program before applying for coverage. National General's underwriting rules treat SATOP completion as a risk-reduction signal, which can lower both the premium and the down payment requirement.
The down payment is not an extra fee. It covers your first two months of coverage and is applied to your policy balance. Your third payment will be the standard monthly amount: base premium plus installment surcharge.
Missouri SR-22 Filing Period
2 years
Missouri requires SR-22 filing for 2 years after a DUI conviction, measured from the conviction date. If your policy lapses during this period, the Director of Revenue is notified within 24 hours and your driving privilege is suspended until you refile.
Missouri Department of Revenue SR-22 requirements
Policy Lapse Triggers Immediate Suspension
National General files an SR-26 cancellation notice with the Missouri Director of Revenue within 24 hours of policy lapse. The state suspends your driving privilege immediately upon receiving the SR-26, even if you are still within your original suspension period or holding a Limited Driving Privilege. You cannot drive legally until you refile SR-22 with a new or reinstated policy.
Most Missouri DUI drivers lapse because they miss a monthly payment and do not realize the grace period is shorter for SR-22 policies than for standard auto policies. National General typically allows a 10-day grace period before canceling for non-payment. If your payment is due on the 1st and you pay on the 12th, the policy has already lapsed and the SR-26 has been filed. You will need to pay a reinstatement fee to the carrier, refile SR-22, and pay the state's $20 reinstatement fee to restore your driving privilege.
Compare Carriers Writing Missouri DUI Cases
National General is one of eight carriers writing Missouri DUI cases with SR-22 filing, but it is not the only option. SR-22 insurance rates vary significantly by carrier even when coverage limits and driver profile are identical. Progressive, Geico, Dairyland, Bristol West, The General, and GAINSCO all accept Missouri DUI drivers and file SR-22 electronically. Each carrier prices the same risk differently based on its own underwriting model and claims experience in Missouri.
Request quotes from at least three carriers that write post-DUI policies in Missouri. When comparing quotes, ask each carrier to itemize the SR-22 filing fee, installment surcharge, and down payment requirement separately from the monthly premium. The second option may be cheaper over six months even though the monthly rate is higher.