At Good2Go Insurance, Inc. we want to show the “Show Me” state and its drivers that getting back on the road with affordable, quality car insurance isn’t as difficult as it seems.
Missouri drivers who fail to provide proper insurance can result in points or suspension on a driver’s license.
The penalties for driving without car insurance in the state of Missouri include:
The court may enter an order suspending your driver’s license for failing to show proof of insurance:
After you serve the required period of suspension, your driver’s license can be reinstated if the Driver and Vehicle Services Bureau receives the following:
According to Missouri Department of Revenue, it is illegal to drive a motor vehicle without proper liability insurance. It is mandatory for the owner or operator of a vehicle to be covered for injuries sustained by others in an accident for at least:
Missouri law also requires a minimum level of uninsured motorist coverage. Uninsured motorist coverage helps to protect you if you are involved in an accident with an uninsured driver and they are at-fault. The minimum level of uninsured motorist coverage is:
In Missouri, drinking and driving is a serious offense. You can be arrested for a DUI in Missouri if your Blood Alcohol Concentration (BAC) is 0.08% or above. The limits are even more strict for those under 21 (0.00% BAC) and commercial drivers (0.04% BAC).
Being convicted of a DUI in Missouri is a serious offense and can result in steep fines, required ignition interlock devices, license suspensions, and jail time. Penalties become more severe depending on the number of convictions and include:
First Drunk Driving Conviction:
Second Drunk Driving Conviction:
Third Drunk Driving Conviction:
Missouri currently has no law prohibiting the use of cell phones while driving. However, drivers who are 21 years of age or younger are banned from texting while driving.
The state of Missouri requires proof of financial responsibility for up to three years after your license is reinstated after a suspension. This proof of financial responsibility is known as an “SR-22 insurance document.” The following circumstances may require you to file an SR-22:
Once you have auto insurance, your insurer can help you file your SR-22 insurance document electronically with the Missouri Driver and Vehicle Services Bureau so that you can get back on the road fast.
More information on additional costs and frequently asked questions for purchasing a new policy can be found on our commonly asked questions page.