Non-owner car insurance in Missouri

Which insurers offer non-owner policies to drivers in Missouri?

Prices were collected for 7 companies here, with the cheapest shown first. At $143, USAA sells only to military families.

What coverage must be part of an operator's policy in Missouri?

The non-owner idea is written into Missouri's own code. An operator's policy, defined in Section 303.190 of the Missouri Revised Statutes, insures one named person driving cars that person does not own.

At least $25,000 in liability cover goes to each person hurt, while a single crash must carry $50,000 or more for all injuries total. Property damage requires another $25,000. If you cause an accident, liability is the coverage that pays the other people.

A second must-have appears on the Department of Revenue insurance page: uninsured motorist coverage. It must provide $25,000 for each injured person, with $50,000 as the total for the crash. When the at-fault driver has no insurance, this coverage pays you for injuries you receive.

In Missouri, the SR-22 is available with a term of either two years or three years.

An operator's policy, under Missouri law, is coverage that follows one named driver into a car they don't own. This state also requires uninsured motorist coverage, and an insurance suspension calls for an SR-22 only if a crash occurred.

Your insurer files a short certificate, called an SR-22, with the state to prove you have liability coverage. The Department of Revenue's Driver License Bureau is where it is sent in Missouri.

Two terms are set in its reinstatement requirements chart. The day your suspension begins starts a two-year clock if the reason is points, a court judgment, an alcohol case, or a test refusal. If the suspension is for driving without insurance, three years are required, counted from the date you may reinstate. One form is enough no matter how many reasons apply at once.

In alcohol and refusal cases, there is also a $45 reinstatement fee and you must also complete SATOP, the Substance Awareness Traffic Offender Program. An operator's policy can hold the certificate even without a car listed on it.

What happens in Missouri after a crash, a lapse, or repeated offenses?

Here, an uninsured stop with no crash is handled more lightly. You can show proof of coverage in that situation with a copy of your ID card, per the Mandatory Insurance FAQ. A crash changes that, and an SR-22 becomes the only option.

Repeat insurance suspensions grow quickly. The first one costs $20 and keeps you on the road. Two in a two-year stretch take your license for 90 days and add a $200 fee; a third takes a year and $400. A $150 fee and a one-year suspension are the result of showing false insurance.

MOIVS, the state's electronic check, is how insurers report your coverage. Losing proof during a three-year span keeps you suspended, per the bureau's insurance rules, until you refile with another $20.

Cost by age in Missouri

A teenager pays about $888 each year. At 40, the minimum coverage on your own car averages $563 a year, which is about $217 more than the $346 non-owner rate.