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Missouri SR22 InsuranceA lot of drivers aren’t familiar with SR22 high-risk driver documentation—that is, until they land in the kind of situation that will cause them to have to get this state-mandated coverage. If you’ve heard of SR22, you know that it’s a specific kind of designation for someone who needs to show the state that they are properly insured. What kinds of situations require SR22 documentation? Here are some of the main offenses that can require drivers to carry SR22 insurance.

Driving Without Insurance

Any driver who gets on the road without having current coverage for a vehicle is pushing up the rates for the state’s uninsured motorist statistics. States look very carefully at these numbers and adjust their insurance systems to cover the risks posed by uninsured drivers.

After someone is caught driving without insurance the first time, the state will often require SR22 simply so that the person can show that they have coverage and have complied with state laws. Getting caught driving without insurance may flag someone on one of the many state databases that are set up to allow law enforcement to look at whether drivers have coverage.


There are a lot of consequences for someone who is found driving while legally intoxicated. These may involve fines, license suspensions or even prison sentences. Along with this, states also offer require SR22 coverage proof after a DUI or DWI as part of adding safeguards for this category of high-risk drivers. State officials recognize that someone convicted of a DUI or DWI may be more often engaged in the types of risky behavior that need to be monitored and fully covered in order to limit risks on the road.

Driving on a Suspended License

A state may also require SR22 documentation for someone who is found driving with a suspended license or without a legal driver’s license in a state. This is another major transgression that will cause black marks on a driving record and raise rates. This and other similar events will cause insurance companies to calculate a driver’s risk to be much higher, which can make it difficult for the driver to get insurance. SR22 documentation confirms that the high-risk driver has taken out these often more expensive kinds of policies.

All of these kinds of issues can require a driver to purchase high-risk auto insurance and get the SR22 documentation that shows this coverage has been acquired. Some states have high-risk insurance pools that force insurers to take on higher risk drivers in order to make sure that everyone in the state can be covered.

Need more information on Missouri SR22 insurance? Give Accu Rate Insurance Agency a call today at 888-607-6499.

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