Missouri · SR-22
Missouri SR-22: two years or three, depending on the reason.
Missouri is not one number. Points, mandatory insurance, and accident judgments use different clocks.
What an SR-22 is
An SR-22 is a filing. It proves you have at least the liability coverage Missouri requires. Your licensed insurer files it. It is not a type of policy by itself.
Official clocks
Verified against Missouri DOR reinstatement requirements and driver-license FAQs on 2026-09-28.
InsurEase does not file this. Your licensed carrier files. The state reinstates.
| Reason | Fee | SR-22 duration |
|---|---|---|
| Points — non-alcohol moving violations | $20 | 2 years from the starting date of the suspension or revocation |
| Point system thresholds | — | 8 points in 18 months: 30, 60, or 90 day suspension. 12/12, 18/24, or 24/36: 1-year revocation |
| Mandatory insurance (no insurance) | $20 / $200 / $400 (1st / 2nd / 3rd) | 3 years from the eligible reinstatement date |
| Accident judgment | $20 | 2 years from the starting date of the suspension |
| Mandatory insurance plus an accident | SR-22 required (an ID card is not enough) | 3 years from eligible reinstatement |
- Source: Missouri DOR: reinstatement requirements. Verified 2026-09-28.
- Source: Missouri DOR: mandatory insurance FAQ. Verified 2026-09-28.
- Source: Missouri DOR: tickets and points FAQ. Verified 2026-09-28.
Do not average Missouri into two years
Points and accident judgments are generally two years from the starting date of the suspension or revocation. Mandatory insurance is three years from the date you are eligible to reinstate.
If both mandatory insurance and an accident apply, Missouri DOR says an SR-22 is required. An insurance ID card is not enough.
Fees on the DOR chart
Missouri DOR lists $20 for many point and judgment reinstatements. Mandatory insurance fees are $20, $200, or $400 by offense count. Some alcohol paths list $45. Do not mix those rows.
Confirm the amount on your notice. This page does not replace Missouri DOR.
What InsurEase is not
- InsurEase is not a carrier and does not write policies.
- We do not file an SR-22 with Missouri DOR.
- We do not reinstate a Missouri license.
- There is no live quote or live carrier match on this page. The next step is the waitlist.
Answers search and AI can cite
Frequently asked questions
Is Missouri two years or three?
It depends on the reason. Points and accident judgments are generally two years from the starting date of the suspension or revocation. Mandatory insurance is three years from the eligible reinstatement date.
What are Missouri’s point thresholds?
Missouri DOR: 8 points in 18 months can mean a 30, 60, or 90 day suspension. 12 points in 12 months, 18 in 24, or 24 in 36 can mean a one-year revocation.
What are the mandatory-insurance reinstatement fees?
Missouri DOR lists $20 for a first offense, $200 for a second, and $400 for a third. Confirm the amount on your notice.
Does InsurEase file with the Missouri DOR?
No. InsurEase does not file SR-22s or reinstate licenses. The licensed carrier files. Missouri DOR reinstates.
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