Getting Insurance After a DWI

Can You Get Auto Insurance After A DWI In Missouri?

One of the many things you’ll have to deal with in the aftermath of a DWI is auto insurance. A requirement for any driver, insurance is especially important after you are legally allowed to drive again.

But what happens to your insurance once you have a DWI? Will your rates increase? Can you even get insurance after a DWI?

You can, but it’s not as easy as a 15-minute phone call, and you won’t be able to save money. In fact, you may be spending considerably more for car insurance after a DWI.

After The Arrest

At minimum, your Missouri license will be suspended for a period of 90 days. The first 30 are complete restrictions, and the following 60 may, at the judge’s discretion, allow for limited driving (i.e., work, school, etc.) But in order to have your license restored, you will have to follow several steps.

  • Pay a $45 reinstatement fee to the Missouri Department of Revenue to have your license returned.
    • Note that if your license was suspended for more than a year, you will also have to re-take your driving tests in order to have your license restored.
  • Complete a Substance Abuse Traffic Offender Program (SATOP)
  • Arrange for an Ignition Interlock Device (IID) to be installed in the car you will be driving (if ordered by a judge)
  • Purchase Missouri SR22 Insurance coverage for the required period (usually 2 years)

Unfortunately, insurance will be more expensive after a DWI, because you’ll need a different type in order to drive.

What Is Missouri SR22 Insurance?

Your insurer will, after a DWI, issue an SR22 certificate that you will be required to carry.

If you want to continue to drive after having your license restored, you’ll be required to have another type of car insurance, called SR22 Insurance. As a “high-risk” driver, you’ll need this specific type of car insurance.

The state of Missouri requires this policy after DWI, and demonstrates that you are taking financial responsibility for yourself after your DWI. This allows the state of Missouri to confirm your insurance, and monitor your continuation of it as a condition of restoring your license.

From the date of your suspension, you will be required to carry this policy for a period of two years. If your policy lapses, your license will again be suspended, requiring you to start the license renewal process all over again. Your insurer will also notify the state that it has lapsed. Once you restore the insurance, your 2-year requirement will also start over.

One caveat is that your regular insurer may send your rates soaring if you get it directly from them. One way to mitigate extreme rate increases is to find an insurer that specializes in Missouri SR 22 insurance for drivers after DWI. Buying this policy separately from your current auto policy may keep your overall insurance rates lower than getting it from your insurer.

Not all drivers will be required to get this specialty insurance, especially if the DWI has been dismissed or your attorney has been able to prevent a suspension. The judge will make that determination. But in the event you do find yourself with a DWI, you should be ready to find SR22 Insurance to be able to continue driving when your driving privileges are restored. Rates can vary widely, so shopping around is helpful before deciding.

Your DWI attorney can work with you to complete the steps necessary for restoring your license and finding SR22 Insurance.

Need Help With SR22 Insurance?

The aftermath of a DWI arrest and conviction requires a lot of work and due diligence to ensure that everything is done correctly. Get help from an attorney who is experienced in all factors of DWI and understands the process. If you need help defending your DWI case in St. Louis County, St. Louis City, or St. Charles County, call Grant Shostak today at (314) 380-3059, or email him at

Need answers now? Download our free e-book, Missouri DWI Survival Guide, with additional information on DWI in Missouri to help you make a more informed decision.

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