Some Missouri Courts Dismiss “No Insurance” Traffic Tickets if You Buy Insurance

Most courts in the St. Louis, Missouri area will dismiss a “No Insurance” ticket if you later provide proof that the car you were driving was insured at the time the police officer pulled you over, or that you purchased auto insurance afterward. You may also have to pay court costs, which can range anywhere from $25 to $60, depending on the court. (A ticket for “No Insurance” is the same as a ticket for “Failure to Maintain Financial Responsibility.”)

A “No Insurance” Traffic Ticket Causes 4 Points to be Added to Your Missouri Driving Record and It Remains on Your Driving Record Permanently

If you are unable to get a “No Insurance” traffic ticket dismissed or amended to a lesser charge, then you will have to pay the fine for the ticket and 4 points will be added to your Missouri driving record. If you accumulate 12 points within 12 months, your Missouri driver’s license will be revoked for 1 year. If you accumulate 8 points within 18 months, your driver’s license will be suspended for 30 days, if it’s your first suspension.

In addition, a conviction for “No Insurance” will stay on your Missouri driving record forever and will never be eligible for removal. In this previous blog post, I list other types of tickets that remain permanently on your driving record.

You Can Get a “No Insurance” or “Failure to Maintain Financial Responsibility” Traffic Ticket Dismissed Without Hiring a Lawyer in Most Courts in the St. Louis, Missouri Area

Some courts in the St. Louis, Missouri area will allow you to bring proof of insurance to the court clerk’s office prior to the court date, so you don’t have to appear in court. Other courts require that you go to court on the court date and show proof of insurance to the judge before the court will dismiss a “No Insurance” or “No Proof of Insurance” traffic ticket.

Whether you had insurance when the police officer pulled you over, or if you purchased insurance after the traffic stop, some Missouri courts will not allow you to request a dismissal of a “No Insurance” ticket on your own, without the assistance of an attorney. (Call the court clerk’s office ahead of time to find out.) If that is the case, you will have to hire an attorney to file a pleading and provide proof of insurance on your behalf before the prosecuting attorney will consider negotiating a plea bargain to have your “No Insurance” ticket amended or dismissed.

Procedures for Handling “No Insurance” Tickets in Some Municipal Courts in the St. Louis, Missouri Area   

In St. Louis County Municipal Court (North Division) in Hazelwood, Missouri, if you receive a traffic ticket for “No Insurance” and you did not have insurance at the time of the traffic stop, you can appear in court and ask the judge to allow you to take a driving class to get rid of the “No Insurance” ticket. You will need to buy car insurance prior to the court date so you can show proof of insurance to the judge.

In St. Louis City Municipal Court, if you receive a “No Insurance” traffic ticket and you purchased car insurance after receiving the ticket, then you can appear in court on the court date and show the judge your proof of insurance, and the judge will dismiss the ticket upon payment of court costs of $50.50. If you actually had insurance at the time of the traffic stop but you didn’t have proof of insurance with you, then bring your current insurance card to court on your court date and show it to the judge, and the judge will probably dismiss the “No Insurance” ticket, sometimes without payment of court costs.

In Ballwin Municipal Court in Ballwin, Missouri, the fine for a “No Insurance” traffic ticket is $175. If you had insurance at the time the police officer pulled you over, and there was no accident involved, then you can bring proof of insurance to the court clerk’s office and they will dismiss your “No Insurance” ticket upon payment of court costs. If you did not have insurance at the time you were pulled over but you purchased insurance afterward, then you can hire an attorney to negotiate a plea bargain with the Court to have your “No Insurance” ticket amended or dismissed. You can not bring proof of insurance to court on your own and expect the judge to dismiss your ticket if you did not have insurance at the time of the traffic stop.

In St. Ann Municipal Court in St. Ann, Missouri, the fine for a “No Insurance” ticket is $151. If you did not have insurance when you received the ticket, but afterward you purchased at least 3 months’ worth of car insurance, then you can show proof of insurance to the court and your “No Insurance” ticket will be dismissed with a fine of $101. If you did have insurance and can provide proof that your car was insured on the date the ticket was issued, then the court will dismiss the ticket upon payment of $26.50 in court costs.

In St. Peters Municipal Court in St. Peters, Missouri, if you buy insurance after you receive a “No Insurance” ticket, your attorney can negotiate a plea bargain with the prosecutor to have your ticket amended or dismissed. The total fine and court costs will be approximately $375 and no points will be added to your driving record. If you did not have insurance at the time of the traffic stop and you are unable to purchase insurance now, then you must appear in court on your court date. At that time, the judge will determine the amount of the fine that you owe plus court costs, and 4 points will be added to your Missouri driving record.

In Florissant Municipal Court in Florissant, Missouri, if you receive a traffic ticket for “No Insurance” but you had insurance on the date you received the ticket, you can bring proof of insurance to court and the judge will dismiss the ticket upon payment of court costs of $26.50. If you did not have insurance when the police officer pulled you over, you can purchase insurance afterward and bring proof to the court clerk’s office prior to the court date and pay a $125 fine. If you did not have insurance when you received a “No Insurance” ticket and you are unable to purchase insurance afterward, then you must appear in court on your court date, at which time the judge will assess your fine, but no points will be reported to the Missouri Department of Revenue. Unlike most municipal courts in the St. Louis area, Florissant Municipal Court does not report points to the Missouri Department of Revenue for “No Insurance” traffic tickets.

In University City Municipal Court in University City, Missouri, the court will not allow you to request a dismissal of a “No Insurance” ticket on your own, without the assistance of an attorney.  Therefore, you must hire an attorney to file a pleading and provide proof of insurance on your behalf before the prosecuting attorney will consider dismissing your “No Insurance” ticket.

Your Driver’s License Will be Suspended if You Cause a Car Accident While Driving Without Insurance

If you cause a car accident while driving a vehicle that is not insured, your driver’s license will be suspended. For more information, see this page of the Missouri Department of Revenue’s website regarding the consequences of a conviction for driving without insurance.

The offense of “No Insurance” or “Failure to Maintain Financial Responsibility” is a misdemeanor and is punishable by imprisonment in the county jail for a term not to exceed 15 days and/or a fine not to exceed $300. This link takes you to the Missouri law that prohibits driving without insurance.

An Attorney May be Able to Withdraw Your Guilty Plea for a “No Insurance” Ticket and Cancel the Suspension of Your Driver’s License

If you have already pleaded guilty to a “No Insurance” traffic ticket in Missouri, it is possible to hire an attorney to withdraw your guilty plea and negotiate a plea bargain with the prosecuting attorney to have your ticket dismissed or amended. If the “No Insurance” ticket is dismissed or amended to a no-point infraction, then those 4 points that were added to your driving record for the “No Insurance” ticket will be removed. If your driver’s license was suspended because of too many points, then the removal of those 4 points may be enough to cause the suspension to be cancelled or “lifted.”

You will have to provide your attorney with proof that you have purchased auto insurance, and you must act quickly; most courts will not allow the withdrawal of a guilty plea if too much time has passed since your guilty plea, or if you were represented by an attorney when you pleaded guilty.

For more information regarding Missouri traffic law, see my traffic law resources page for links to information regarding Missouri speeding tickets, points, Missouri driver’s licenses, courts, and other traffic-related issues.