UltraCar Insurance

UltraCar Insurance

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UltraCar Insurance is a family-owned business located in the St. Louis metro area, specializing in high-risk auto and non-owner insurance. We offer SR22 insurance in 34 states, FR44 insurance in Florida and Virginia, and cross-state SR22/FR44 insurance filings. Our company and our agents hold licenses in each state where we sell these insurance products. The uncertainty of having a suspended licen

What is Full Coverage Auto Insurance? 01/30/2026

What kind of auto insurance coverage is best for you?
In many cases, people who need high-risk SR-22 or FR-44 auto insurance choose to get their state's minimum liability coverage to save money. However, some drivers want full-coverage auto insurance for peace of mind. We can help you determine the type of coverage that's best for you. Click below to learn more about the benefits of full coverage auto insurance.

What is Full Coverage Auto Insurance? Full coverage auto insurance isn’t mandatory, but many drivers prefer it to minimum coverage. This blog details the features and benefits.

Who Are High-Risk Drivers? 12/02/2025

High-Risk Drivers & Insurance Premiums
High-risk drivers may struggle to find affordable car insurance. If you need to attach an SR-22 or FR-44 certificate to your insurance policy, it can significantly impact your rate. This blog post explains how the reason for license suspension can influence the premium you will pay.

Who Are High-Risk Drivers? High-risk drivers usually pay higher insurance premiums than their counterparts. Here’s a blog post explaining who high-risk drivers are.

Non Owner SR22 FR44 07/10/2025

What's non-owner car insurance?
Non-owner car insurance is auto liability insurance for people who drive but don't own a car. You can get this type of insurance without or with an SR22 or FR44 certificate for license reinstatement. Non-owner car insurance is a relatively inexpensive insurance option. It provides extra liability coverage when you drive a borrowed vehicle, want to avoid an insurance coverage gap, or must file an FR44 or SR22 certificate. Call now or submit our online form for a free quote with no filing fees! We'll help you get the lowest rate possible.

Non Owner SR22 FR44 Non owner SR22 FR44 are certificates of financial responsibility that people need to reinstate their license when they don't own a vehicle.

02/21/2025

SR22 & FR44 Auto Insurance Quotes
Even excellent drivers can have a bad day. Have you caused an accident, gotten too many tickets, or had a DUI conviction resulting in the suspension of your license? If so, you must file an SR22 certificate with your state DMV to reinstate your license. Getting an affordable SR22 rate and quick filing isn't complicated, thanks to our experienced experts. Click this link to learn more.

Start Your Quote 11/06/2024

Do you need low-cost SR22 or FR44 insurance rates with no fees and fast certificate filing? Our focus is high-risk auto insurance. We help clients in 34 states reinstate their driver's licenses after a DUI or non-alcohol-related traffic violation. Use our online quote form to contact us for affordable SR22 or FR44 insurance today!

Start Your Quote If our agents are with other customers when you call, we'll be able to get back to you quickly if you complete and submit our Start Your Quote form.

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Address


801 S Woodlawn Avenue, Ste 26
O'Fallon, MO
63366

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 9am - 3pm