Missouri Driving Without Insurance

In Missouri, every person who drives on the roadways is required to have proof of financial responsibility according to the Missouri Department of Insurance. Each individual is also required to provide this proof of financial responsibility when asked by a police officers.

 

First Offense Penalty

If you fail to provide insurance this is a Class D Misdemeanor charge. Your driver’s license will be suspended until you can prove you have insurance on your vehicle. After obtaining proof of insurance, the courts will most likely just dismiss the charges, but you will have to pay a $20 reinstatement fee to the Department of Motor Vehicles.

 

Second Offense Penalty

If you’ve received two offenses for failure to provide proof of insurance within a two year period, your driver’s license will be suspended for 90 days. You may also face 15 days in jail and fines up to $500. After providing proof of insurance, you will have to pay a $200 reinstatement fee to the Department of Motor Vehicles.

 

Third Offense Penalty

If you’ve received a third driving without insurance offense within a 2 year timespan, you will face a 1 year suspension of your driver’s license and a restatement fee of $400 after your suspension is over. Aside from the penalties with the driving bureau, you will also face up to 15 days in jail and fines up to $500.

 

Paying the fine and pleading guilty may not be the best route. In Missouri, if you receive 12 points on your license within a 12 month period, your license can be revoked for up to a year. If you receive 8 points in your license within 18 months, you may face a 30 day suspension. Read my blog post The Side Effects of Pleading Guilty to Traffic Violations for more information.

 

Contact Howard Haake at (314) 325-9868 or (636) 332-5555 for a free consultation and learn what rights and remedies are best for your situation.

 

 

 

 

Howard Haake is a St. Louis law firm based in Clayton, Missouri focused on business law, criminal defense, family law and estate planning. We handle all business matters from incorporation to acquisition as well as criminal defense charges from arrest to trial. Howard Law helps clients in St. Louis, St. Charles, St. Peters, O'Fallon, Brentwood, Columbia, Eureka, Richmond Heights, Clayton, Jennings, Kirkwood, Maplewood, Manchester, Northwoods, Olivette, University City, Creve Coeur, Maryland Heights, Bridgeton, Florissant, Ladue, Webster Groves, Hazelwood, Hillsboro, Washington, Union, Hermann, Pacific, and throughout St. Louis County, St. Charles County, Jefferson County, Franklin County, Warren County, Gasconade County, Boone County, Crawford County, Montgomery County, and Marion County.

​​DISCLAIMER: The information on this website is for general and informational purposes only and should not be interpreted to indicate a certain result will occur in your specific legal situation. Information on this website is not legal advice and does not create an attorney-client relationship. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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© 2015 by Howard Haake, LLC.

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