SR22 Insurance St. Louis MO

Reader’s Question:

I am shopping for a used vehicle, and have heard that it is more expensive to insure a red car than other colors, is this correct? I live in St. Louis and I need SR22 insurance coverage.


St. Louis, MO

No, the color of the vehicle is not generally one of the factors that a car insurance company will use as a rating factor.

The myth is out there that a red or silver car costs more to insure but in all actuality insurance carriers do not consider the color, but they do look at the type of vehicle. If it is a red sports car it will likely cost more than a yellow family car to insure but due to the powerful engine and statistics of accidents relating to sports cars compare to a 4 door family sedan, not the color.

 SR22 Form

An SR22 form is issued by an insurance company in behalf of the person who are required by the state to obtain it. SR22 filing removes a suspension order placed by the Missouri Department of Revenue – Motor Vehicle & Drivers Licensing (MVDL) on the persons driving privileges.

The filing provides proof to the MVDL that a certain driver has at least minimum liability coverage in active. Should the SR22 lapse, or cancelled for any reason, the insurance company will immediately notify the the MVDL. Basically,  SR22 insurance provides guarantee to the state of Missouri that a certain liability insurance in force.

Reasons for SR22 Filing

Those whose license has been suspended for any reason by the Missouri MVDL will need a Filing to as part of the reinstatement process. Some of the reason that may require certain drivers to need this SR22 form are the following:

  • DUI violations
  • more minor moving violations in one year than the law permits
  • suspensions from unpaid fines or parking violations
  • uninsured accidents; failure to comply with other Motor Vehicle laws or regulations.

SR22 Insurance Requirement

If your drivers license has been suspended for any reason, you must maintain SR22 insurance on file with the Driver License Bureau for 2 years, depending on your situation, from the date of your suspension. If the Mandatory Insurance suspension involved an accident, proof of insurance must be in the form of an SR-22 filing.

Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions. The minimum level of coverage required by state law is:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property

ST. Louis SR22 insurance

Some other rating factors that car insurance companies consider in St. Louis  include your age, your claims history, the kind of car you drive, in some states your credit history and your driving record.