Verified RSMo §303.025 · Checked July 2026 · 2 sources
What a no-insurance ticket costs in Missouri
Citation data · First offense RSMo §303.025
Class D misdemeanor + 4 points
A first violation of Missouri’s financial-responsibility law is a Class D misdemeanor (RSMo §303.025), and the Department of Revenue assesses four points against your driving record, or the court may instead order supervision, but no more than once in any 36-month period.
Verified July 2026
By Mario Bailey
What to do now
- 1
Were you actually covered? Gather proof
The statute bars a guilty finding if you demonstrate to the court that you met the financial-responsibility requirement at the time the officer wrote the citation (RSMo §303.025).
- 2
If you were uninsured, get a policy and clear the suspension
A first occurrence carries four points and a zero-day suspension cleared with proof of insurance and a $20 reinstatement fee.
- 3
Know the repeat stakes
A second or subsequent violation carries a $200 to $500 fine and up to 15 days in county jail, with a 90-day suspension and $200 fee on the second occurrence and a one-year suspension and $400 fee after that.
- 4
Plan for the SR-22
After an insurance suspension Missouri requires proof of insurance (SR-22) filed with the Department of Revenue for three years; a lapse triggers re-suspension.
Insurance impact: A first occurrence adds four points and a zero-day suspension cleared with proof of insurance and a $20 reinstatement fee; repeats bring 90-day and one-year suspensions with $200 and $400 fees, plus a three-year SR-22 filing.
Repeat offenses
A second or subsequent violation carries a fine of not less than $200 and not more than $500, and may be punished by up to 15 days in county jail (RSMo §303.025).
Is driving without insurance a misdemeanor in Missouri?
Yes, a Class D misdemeanor on a first offense. Repeat offenses add a $200–$500 fine and possible county-jail time up to 15 days.
Can it be dismissed?
Yes, if you were covered: the statute bars a guilty finding if you demonstrate to the court that you met the financial-responsibility requirement at the time the officer wrote the citation (RSMo §303.025).
What happens beyond the fine
First occurrence: four points and a zero-day suspension cleared with proof of insurance and a $20 reinstatement fee. Second: a 90-day suspension and a $200 fee. Third and subsequent: a one-year suspension and a $400 fee (Missouri Department of Revenue).
After an insurance suspension, Missouri requires you to maintain liability insurance and file proof (SR-22) with the Department of Revenue for three years, a lapse triggers re-suspension.
Reinstatement fees escalate with occurrences: $20 for the first, $200 for the second, $400 for the third and subsequent (Missouri Department of Revenue).
Frequently asked questions
How many points is a no-insurance ticket in Missouri?
Four points against your driving record for a first offense, or the court may order supervision instead, but only once in any 36-month period (RSMo §303.025, Missouri DOR).
What is the fine for driving without insurance in Missouri?
A first violation is a Class D misdemeanor; a second or subsequent violation carries a statutory fine of $200 to $500 and up to 15 days in county jail.
How long is the SR-22 requirement in Missouri?
Three years of maintained proof of insurance filed with the Department of Revenue after an insurance-related suspension; a lapse means another suspension.
Sources
This summary was checked against the following sources on the date shown above. Fines and fees change, verify before relying on specifics.
- RSMo §303.025, official text (Missouri Revisor of Statutes)
- Missouri DOR, insurance driver penalties (official)
Other tickets in Missouri
Expired Registration in Missouri
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General legal information, not legal advice. Statutes and penalty schedules summarized from the sources above as of July 2026.