Car Insurance After a DUI in Missouri: Cheapest Companies & Rates (2026)
A DUI in Missouri increases car insurance rates by an average of 81%, raising a typical full coverage policy from $1,980/year to $3,584/year. That's an increase of $1,604/year ($134/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Missouri
Before DUI
$165/mo
$1,980/year full coverage
After DUI (+81%)
$299/mo
$3,584/year full coverage
Cheapest Companies After DUI in Missouri
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $221/mo | $2,652/yr | Military families |
| Erie Insurance | $236/mo | $2,831/yr | Rate lock guarantee |
| GEICO | $245/mo | $2,939/yr | Clean driving record |
| Progressive | $263/mo | $3,154/yr | Telematics savings |
| State Farm | $272/mo | $3,261/yr | Good students |
| Travelers | $284/mo | $3,405/yr | Multiple discounts |
| Nationwide | $311/mo | $3,727/yr | Bundling home + auto |
| Farmers | $323/mo | $3,871/yr | Signal telematics |
| Allstate | $335/mo | $4,014/yr | Accident forgiveness |
| Liberty Mutual | $352/mo | $4,229/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Missouri, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Missouri
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Missouri
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Missouri
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $299/mo | +81% |
| Year 1 | $285/mo | +73% |
| Year 2 | $265/mo | +61% |
| Year 3 | $232/mo | +41% |
| Year 5 | $192/mo | +16% |
| Year 7 | $165/mo | Normal |