SR-22 · Updated September 2026
An SR-22 is a form your insurance company files with the state certifying that you carry at least the required liability coverage. You cannot buy an SR-22 on its own. You buy an auto policy, and the insurer attaches the filing to it.
It is typically required after a DUI or DWI, driving uninsured, an at-fault accident while uninsured, accumulating too many points, or as a condition of reinstating a suspended license.
First, find out exactly what the state requires — which filing, for how long, and by when. Second, get an auto policy in place with an insurer willing to make the filing; not every carrier does. Third, the insurer files the certificate electronically with the state. Fourth, the state processes it and lifts the suspension once any other requirements, such as fees, are satisfied.
We submit SR-22 filings electronically, so there is no form for you to mail to the state. Electronic filings are typically transmitted quickly, but the Department of Revenue still has to process the filing and update your driving record, and that typically takes up to five days.
The filing period is commonly around three years, though it depends on the offense and the state, and the clock generally starts at reinstatement rather than at the date of the incident. Missouri, Kansas and Oklahoma each set their own terms.
Do not cancel the policy the day you think it ends. Confirm the release date with the licensing agency first, because the consequence of being wrong is another suspension.
If the policy cancels or lapses while the filing is required, the insurer must notify the state. That generally triggers suspension again and can restart the filing period. Paying the policy on time during this window matters more than at any other point in a driving record.
Set the policy to pay automatically if you can, and do not let a payment date slide.
A non-owner policy provides liability coverage when you drive vehicles you do not own, and satisfies the filing requirement for many drivers in that position. It is usually less expensive than a standard policy, since there is no vehicle to repair.
The filing fee itself is small. The premium increase comes from the violation behind it, which moves you into a higher-risk tier. Carriers vary considerably in how they price the same record, which is why comparing companies matters more after a violation than before one.
Questions about your own situation? Call 417.623.8300 or send us your current policy. We are licensed in Missouri, Kansas and Oklahoma.
We file electronically, usually the same day the policy is in force. Tell us where things stand and we will get moving.