đź“‹ What Is an SR-22?
An SR-22 is not insurance itself—it's a certificate that proves you have the state-required minimum liability coverage. Your insurer files it directly with the DMV after certain violations.
You typically need an SR-22 after:
- • DUI or DWI conviction
- • Driving without insurance
- • Too many points on your license
- • At-fault accident without insurance
- • License suspension or revocation
How Much Does SR-22 Insurance Cost?
SR-22 Filing Fee
$15-50
One-time fee to file the certificate
Average Premium Increase
80-200%
Due to the underlying violation, not the SR-22 itself
Important: The SR-22 itself only costs $15-50 to file. The expensive part is that whatever violation triggered the SR-22 requirement (DUI, no insurance, etc.) dramatically increases your premiums.
Cheapest SR-22 Insurance Companies
| Company | Avg. Annual (with SR-22) | Notes |
|---|---|---|
| Progressive | $3,200 | Best for DUI records |
| GEICO | $3,500 | Fast SR-22 filing |
| State Farm | $3,800 | Local agent support |
| The General | $4,200 | Specializes in high-risk |
How Long Do You Need an SR-22?
SR-22 requirements typically last:
3
Years (most common)
5
Years (some states)
10
Years (repeat offenders)
⚠️ Warning: If your insurance lapses while you have an SR-22 requirement, your insurer notifies the DMV and your license is immediately suspended. Don't let your policy lapse!
Frequently Asked Questions
Can I get SR-22 without a car?
Yes. A "non-owner SR-22" policy covers you when driving borrowed or rented vehicles. This is useful if you don't own a car but still need to maintain SR-22 status.
Will my current insurer file an SR-22?
Maybe not. Some insurers drop customers who need SR-22s. Others will file it for you. If dropped, you'll need to find a new carrier—Progressive and The General specialize in high-risk drivers.
Do all states require SR-22?
Most do, but some states use different forms. Virginia uses FR-44 (requires higher coverage limits). Florida uses FR-44 for DUI. New York uses FS-1 form instead. Check your specific state requirements.
The Bottom Line
An SR-22 is just a certificate—the real cost comes from whatever violation triggered the requirement. Expect premiums 80-200% higher for 3-5 years. Shop aggressively: Progressive and GEICO typically offer the best rates for SR-22 drivers. And whatever you do, don't let your coverage lapse.
DUI Insurance Guide →