Mandatory Insurance

Information 24/7 – If you have questions about a ticket, suspension, or revocation on your Missouri driver record, you may now call our new interactive voice response system at (573) 526-2407 - available 24 hours a day, 7days a week.


What can I do if I am involved in accident with an individual who does not have insurance on their vehicle?

In accordance with 303.040, RSMo, you may file an accident report if:

NOTE: If the accident did not cause $500 in property damage or personal injury or death, you may still file an accident report if there was an uninsured motorist involved. The bureau will only be able to take action under 303.041, RSMo (see below).

NOTE: You may not file this action against any type of animal.

You may print the Motor Vehicle Accident Report (Form 1140)from your computer, or you may obtain a copy from:

Mail completed forms to:

Missouri Department of Revenue
301 West High Street - Room 470
PO Box 200
Jefferson City MO 65105-0200

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How can I get my driver license back when it is suspended due to a motor vehicle accident and/or because I failed to have insurance?

There are several ways a person’s driver license can be suspended under the Mandatory Insurance Law. Outlined below are the reasons a person can be suspended and the reinstatement requirements.

Motor Vehicle Accident Judgment (Missouri) - If you have been suspended because you were involved in an accident in Missouri and a judgment was rendered against you in court for failing to pay for the damages, you must send the following items to the Driver License Bureau before you can be reinstated:

Motor Vehicle Accident Judgment (Out-of-State) - If you have been suspended because you were involved in an accident in another state and a judgment was rendered against you in court for failing to pay for the damages, you must send the following items to the Driver License Bureau before you can be reinstated:

Motor Vehicle Accident - Failure to File an Accident Report - If you were involved in an accident that included a motor vehicle that may not have been insured, you may receive notice from the department to file an accident report. You have 10 days from the mail date shown on the notice to file the accident report. If you fail to do so, your driver license and/or motor vehicle registration will be suspended. If you have been suspended for failing to file an accident report, you must send the following items to the Driver License Bureau before you can be reinstated:

Motor Vehicle Accident - Failure to Pay for the Damages - If you have been suspended because you were the person at fault in an accident and failed to pay the other person(s) in the accident for the vehicle/property damage or personal injuries, you must send the following items to the Driver License Bureau before you can be reinstated:

False Insurance - If you have been suspended because you showed false insurance to a police officer or the Department of Revenue, your driver license and/or motor vehicle registration will be suspended for one year. You must send the following items to the Driver License Bureau prior to the end of the suspension period before your driver license can be reinstated on the eligibility date:

Mandatory Insurance - Failure to Show Proof of Insurance When Requested by Department of Revenue - If you have been suspended because the Department of Revenue notified you to show proof of your insurance and you did not have any insurance in effect, OR because you were not maintaining insurance on the vehicle you owned and/or operated, you must send the following items to the Driver License Bureau before you can be reinstated:

Out-of-State Accident - If you have been suspended because you were involved in an accident in another state and you did not have any insurance in effect at the time of the accident, you must send the following items to the Driver License Bureau before you can be reinstated:

Failure to Maintain Liability Insurance - If you have been suspended because you have failed to keep your insurance in effect for the three-year period required by law, you must send the following items to the Driver License Bureau before you can be reinstated:

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What is an SR-22 insurance filing?

It is a form from your insurance company that shows your motor vehicle has liability insurance. (Sample of SR-22 form) You must contact an insurance company to obtain the liability insurance and the SR-22 form.

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How long do I need the SR-22 insurance filing/proof of insurance?

If you were suspended for a Motor Vehicle Accident Judgment (Missouri or Out-of-State), you must maintain insurance on file with the Driver License Bureau for two years from the starting date of the suspension.

If you were suspended for False Insurance or Mandatory Insurance, you must maintain insurance on file with the Driver License Bureau for three years from the date you were eligible to reinstate. If the Mandatory Insurance suspension involved an accident, proof of insurance must be in the form of an SR-22 filing.

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What is the address to use for mailing my reinstatement documents?

You should mail your reinstatement documents to:

Missouri Department of Revenue
301 West High Street - Room 470
PO Box 200
Jefferson City MO 65105-0200

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Can I fax the SR-22 insurance filing? If so, what is the fax number?

Yes, you may fax the SR-22 insurance filing. Our fax number is (573) 522-6062.

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Why did you send me an accident report if I already filed a police report?

We have received documents stating that everyone was not insured in the accident you were involved in. The accident report gives you a chance to tell how the accident happened and to show insurance verification. Missouri law requires that we verify everyone in the accident was insured.

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Do you take credit or debit cards over the phone?

Reinstatement Fee - The reinstatement fee may be paid by telephone using a debit or credit card, or by submitting a money order or personal check (by mail or in person) to the address below.

To pay your reinstatement fee by telephone, call 573-751-1887 (during business hours) and use one of the following debit or credit cards:

Damages - The payment for damages caused in a motor vehicle accident must be submitted as a money order or personal check (by mail or in person) to the following address:

Missouri Department of Revenue
301 West High Street - Room 470
PO Box 200
Jefferson City MO 65105-0200

The money order or personal check must be made payable to the Missouri Department of Revenue.

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Can I pay my reinstatement fee at any license office in Missouri?

You cannot pay your reinstatement fee at a local license office. You must submit the fee to the Central Office address shown below:

Missouri Department of Revenue
301 West High Street - Room 470
PO Box 200
Jefferson City MO 65105-0200

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If I am a nonresident driving in Missouri, is my vehicle required to be insured?

Yes, liability insurance must be maintained on all vehicles being operated in Missouri. Your driving privilege may be suspended if you operate a vehicle in Missouri without insurance.

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If you still have questions, please check out other Driver Licensing FAQs.