How Much Does SR-22 Insurance Cost?
SR-22 insurance costs $500-$3,000 more per year than standard insurance. The SR-22 filing itself is $15-$50, but the real cost is the mandatory high-risk insurance that comes with it.
Cost Breakdown
| Service | Low | High | Notes |
|---|---|---|---|
| SR-22 filing fee | $15 | $50 | One-time |
| Insurance with SR-22 | $200 | $450 | Per month |
| Non-owner SR-22 | $30 | $75 | Per month |
| Duration required | 1 year | 5 years | Usually 3 years |
SR-22 Insurance Cost
An SR-22 isn't a type of insurance — it's a form your insurer files with the state proving you have coverage. But it signals you're high-risk, which dramatically raises your rate.
What It Costs
- SR-22 filing fee: $15-$50 one-time
- Insurance premium increase: 30-100% higher than standard rates
- Average total cost: $2,500-$5,000/year for full coverage
Why You Need It
- DUI/DWI conviction
- Driving without insurance
- Too many points on your license
- At-fault accident without insurance
- License reinstatement after suspension
How Long You Need It
Typically 3 years, but it varies by state and offense. If your policy lapses even for one day, the clock resets.
Cheapest SR-22 Providers
Progressive, GEICO, and Dairyland often have the best rates for SR-22 drivers. Non-owner SR-22 policies start around $30-$75/month if you don't have a car.
Related Questions
Can I get SR-22 without a car?
Yes — a non-owner SR-22 policy is cheaper ($30-$75/month) and satisfies the state requirement without insuring a specific vehicle.
What happens if I let SR-22 insurance lapse?
Your insurer notifies the state, your license gets suspended again, and you restart the SR-22 period from zero. Never let it lapse.
Does SR-22 show on my driving record?
The SR-22 filing itself is on your DMV record, but it's not on your criminal record. After it's removed, it won't affect future insurance quotes.