Missouri Non Owner SR22 Insurance

Missouri Non Owner SR22 Insurance

The State of Missouri requires DWI offenders to file an SR22 form in order to get their driver’s license reinstated. If you do not own a vehicle, and you do not have regular access to a vehicle that is owned by someone in your household, then you will need to purchase non-owner SR22 insurance.

The non-owner SR22 policy was designed for the driver who does not own his or her own vehicle, only occasionally drives someone else’s vehicle, and wants to get his or her driver’s license reinstated.

Under a non-owner SR22 insurance policy, if you are ever found at fault in an accident, you have liability coverage for other drivers and vehicles involved, but not for the vehicle that you are driving. You will still want to make sure that the vehicle you drive is insured. Your non-owner SR22 insurance would be secondary to the vehicle’s primary insurance.

The State of Missouri requires those with more than one DWI offense to install an ignition interlock device (IID) in any vehicle that they drive. It is unlikely that you will install an IID in someone else’s vehicle (someone you don’t live with) to only drive it occasionally, so an IID requirement means that you will not be able to file a non-owner SR22 form.

Missouri requires a DWI offender to carry SR22 insurance for two years from the date he or she is eligible to reinstate his or her driver’s license.

How to Buy Missouri Non-Owner SR22 Insurance

Not all insurance companies will provide non-owner SR22 filings. If you are shopping for non-owner SR22 insurance, you really have two choices: you can contact multiple insurance companies, ask if they provide non-owner SR22 coverage, and compare their rates; or you can go through an insurance broker. We can save you a lot of time and effort. You just tell us what you need and we provide you with the most competitive quotes possible.

Missouri Non Owner SR22 Insurance Facts

  • SR22 non owner insurance does not cover individuals who own a vehicle
  • SR22 non owner can only be written for one individual
  • SR22 non owner insurance is a high risk insurance policy
  • SR22 non owner insurance is a liability only policy
  • SR22 non owner insurance does not cover household vehicles
  • SR22 non owner insurance does not cover rental or commercial vehicles
  • SR22 non owner insurance does not include comprehensive or collision coverage

How Long Do I Need to Maintain Missouri Non Owner SR22 Insurance

The State of Missouri requires SR22 non owner insurance to be carried for three years, in most instances.

What Offenses Causes the State of Missouri to Require SR22 Insurance?

Offenses or circumstances such as those listed below can result in the requirement for SR22 insurance:

  • Uninsured accidents
  • Failure to consent to a DUI or DWI test
  • DUI or DWI offenses/convictions
  • Too many points against a driver’s DMV record
  • Child support
  • Legal judgments