A DUI conviction in Missouri typically increases your car insurance rates by 60-80% and requires an SR-22 filing for 3 years. The average DUI driver in Missouri pays $3,000-$5,000+ per year for auto insurance. But rates vary widely between carriers — some specialize in DUI insurance and charge significantly less.
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How a DUI Affects Your Insurance in Missouri
60-80%
Average Rate Increase
3 Years
SR-22 Required
3-10 Years
DUI on Driving Record
$3K-$5K+
Annual Insurance Cost
After a DUI in Missouri, your current insurer may drop you entirely. If they keep you, expect a massive rate increase at renewal. You'll need to find a carrier that accepts DUI drivers and offers competitive rates — which is where comparing non-standard carriers becomes critical.
The DUI Insurance Process in Missouri
Step 1: SR-22 filing — your insurer files a certificate with Missouri's DMV proving you have minimum liability coverage (25/50/25)
Step 2: Find a DUI-friendly carrier — Progressive, Dairyland, The General, and Bristol West specialize in DUI drivers
Step 3: Maintain continuous coverage — ANY lapse resets your SR-22 clock and can trigger license re-suspension
Step 4: Wait it out — after 3 years clean, your SR-22 is removed; after 3-5 years, rates begin normalizing
How to Get the Cheapest DUI Insurance
Compare 5+ non-standard carriers — DUI rates vary by 50-100% between companies
Take a defensive driving course — some Missouri courts and insurers reduce penalties for completion
Choose liability-only if possible — at $48/mo base + DUI surcharge, it's the cheapest option
Don't add violations — a second offense while on SR-22 can make you virtually uninsurable
DUI Insurance Rates by Carrier in Missouri
Insurance Company
6-Month Premium
Monthly Cost
GEICO ⭐
$780
$130/mo
Shelter Insurance
$846
$141/mo
Progressive
$876
$146/mo
State Farm
$960
$160/mo
Allstate
$1,164
$194/mo
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
🎖️ Get Insurance After DUI Quotes in Missouri
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
GEICO offers the cheapest full coverage at $130/month in Missouri. Rates vary by driver — call (888) 217-6781 for a personalized comparison.
How much is insurance after dui in Missouri?
Full coverage in Missouri averages $171/month, liability-only averages $48/month. The cheapest option is GEICO at $130/month. Compare multiple quotes for your best rate.
Can I get a free insurance after dui quote in Missouri?
Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Missouri to find your lowest rate in under 2 minutes.
Sources & Methodology
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.