Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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When people break Missouri DUI laws, they will have to purchase DUI auto insurance. This type of insurance will be more expensive than their previous insurance and keep them from finding cheap car insurance. This is because their status has gone from being a safe driver to being a high risk. Often, this will mean that these drivers will be looking for a new car insurance company.


How Insurance Companies Handle Clients Who Break Missouri DUI Laws

After drivers’ current insurance companies discover that they have clients who have been convicted of breaking Missouri DUI laws, they may send these people a cancellation notice. An insurance company can also let these people know that they won’t be renewing the insurance policy when it comes time for it to expire. The last scenario is a letter telling these drivers that their insurance rates have been raised a considerable amount.

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What Drivers Can Do to Lower Their Premiums

People who will be released from their insurance companies will have to purchase liability insurance if they want to take advantage of the work licenses they may be granted. Those who have their rates raised so much they can no longer afford their insurance can also seek the cheapest car insurance rates from comparison shopping.

Required Information about the Vehicle

Our comparison search will help you find the right Missouri car insurance. After entering your ZIP code, the insurance company will ask for certain information. Among this information is the year, make and model of the vehicle, if the vehicle is owned, financed or leased, the number miles driven each day, the number of miles driven per year, type of anti-theft device on the vehicle, amount of coverage and where the car will be parked at night.

Personal Information of Those Who Break Missouri DUI Laws

In order for companies to offer auto insurance to those who have broken Missouri DUI laws, they will need to know some personal information. This information includes age, gender, whether or not they are married, their credit ratings and if their licenses have been suspended, revoked or are active. Enter your ZIP code and compare car insurance by state!

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The Chance to Qualify for Discounts

Even though drivers have been convicted of breaking Missouri DUI laws, they still may qualify for discounts for their DUI insurance. Because their auto insurance will need to be a little higher because of the DUI arrests and convictions, they need to look for these car insurance discounts everywhere they can. For example, if they are students with a grade point average of B or better, this qualifies them for the good student discount. If they insure more than one vehicle with one company, insurance companies will offer a discount for multi-car policies.

Quotes Immediately Appear

After all required information has been entered into the fields, all these drivers have to do is click submit and they will immediately receive their free quotes. A list of insurance companies who can supply the insurance that is needed appears and the drivers can click on any of them to be taken to these companies’ websites. From here, they can further inquire into the coverage and the discounts they may receive. Take a look at our Car Insurance Guide to find the best ways to save on insurance!

Missouri DUI Laws

In Missouri, DUI laws prohibit people from driving under these different circumstances. If the driver’s blood alcohol level (BAC) is .08 or above or they have any amount of illicit drugs in the system, they will be arrested for Driving While Intoxicated (DWI). Those who are driving a vehicle for work have more stringent criteria; if these people have a BAC of .04 or above, they will be arrested for DWI.

People who break Missouri DUI laws don’t just have higher insurance rates to contend with; they will also have to face serious penalties for these actions. The following are some penalties these high risk drivers will face. For a first offence, they will have:

  • A maximum jail sentence of six months,
  • A maximum fine of $500,
  • A mandatory suspension of their drivers’ licenses for an entire month,
  • After the mandatory suspension, their licenses will be restricted for a further two months,
  • They will have to pay $45 to reinstate their licenses after the three-month suspension,
  • They will have to have the Missouri SR-22 filing,
  • They might be required to have an Ignition Interlock Device (IID) installed in their vehicles.

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The SR-22

When people are performing their comparison searches, this is the time to let the auto insurance companies know that they will need the Missouri SR-22 filing. The SR-22 is required of people who have been convicted of breaking Missouri DUI laws and it is proof that these drivers have purchased Missouri’s state minimum insurance requirements for auto insurance. This will be necessary for a period of two years in this state and the insurance companies will be the ones to provide it for the DMV. One should take a look at the DMV point system to insure they are good to go with their insurance!

Missouri’s State Minimum Requirements

The liability insurance coverages required in the state of Missouri are:

  • $25,000 bodily injury coverage for one person,
  • $50,000 bodily injury coverage for more than one person hurt in an accident,
  • $10,000 property damage coverage for all property damaged in the collision,
  • $25,000 uninsured motorist coverage for bodily injuries to one person,
  • $50,000 uninsured motorist coverage for bodily injuries to more than one person.

In order to afford the above liability insurance that every driver needs to carry, those who have been convicted of breaking Missouri DUI laws need to do a comparison quote search online. This search is free and very easy to do and in the end, they will have premiums they can afford to pay. Find affordable car insurance with our ZIP code search TODAY!