An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required auto insurance. You only need an SR-22 if your state or court orders you to get one — typically after a major driving violation like a DUI or driving uninsured.
If your license has been suspended in certain states, you'll need to ask your insurance company to file an SR-22 on your behalf or find a new company before you can reinstate your license and resume driving.
Which companies have the cheapest SR-22 insurance quotes?
Regional companies like Country Financial and Farm Bureau offer the cheapest rates for SR-22 drivers who live in an area these companies serve.
Major companies like USAA, State Farm and American Family also offer cheap SR-22 quotes.
Insurance companies base the cost of your insurance on the chance you'll be involved in an accident or make a claim. And because SR-22s are normally required after you're convicted of a major driving offense, you'll likely see higher rates after an SR-22.
The average cost of a minimum coverage SR-22 policy is $64 per month.
Find Cheap Auto Insurance Quotes for SR-22
Country Financial has the cheapest SR-22 insurance rates, with a minimum coverage policy that costs $33 per month. That's only half as much as the average cost of SR-22 insurance.
State Farm has the cheapest widely available rates for SR-22 insurance. A minimum coverage policy costs $45 per month, which is 30% cheaper than average.
Cheapest SR-22 car insurance rates
Any auto insurance company licensed in a state can file an SR-22, but it doesn't have to. An SR-22 requirement signifies you're a risky driver, so your company may decide to cancel your coverage or increase your rates if you need one.
If your current company drops you, then you'll need to find a new company to file the SR-22 — preferably one that won't charge a lot more for your conviction.
Nonstandard insurance companies
Nonstandard insurance companies like The General and SafeAuto specialize in providing coverage to high-risk drivers, including people who need an SR-22. If you're having trouble getting a policy from a typical insurance company, nonstandard companies are one option to consider.
It's worth trying to get a quote from a standard company, even if it takes extra effort to find one that will cover you.
Nonstandard insurance companies typically don't have as many coverage options or discounts as major companies, and their customer service is often poorly reviewed.
How much does an SR-22 cost by state?
If you need an SR-22 certificate, you'll have to pay for your insurance company to file a document with the state, and your rates will usually go up as well.
The impact of an SR-22 on your insurance will be less severe if the cause was minor. For example, drivers with a speeding ticket pay $83 per month for minimum coverage, on average. People with a DUI conviction pay $110 per month, which is $27 more per month for the same coverage.
Cost of minimum coverage insurance with an SR-22 by state
Speeding with SR-22
Accident with SR-22
SR-22 filing fee
The fee to file an SR-22 differs with every state. It usually costs about $25 but can range from $15 to $50. Your auto insurance company will file the SR-22 for you, then pass the fee along to you in a bill.
Your SR-22 may need to be on file for several years, but the filing cost is a one-time fee.
You won’t have to pay each time you renew your car insurance. However, if your auto insurance policy lapses and you get new coverage, you'll have to pay the fee again and your new insurance company must send proof of coverage to your state.
The cheapest SR-22 companies by state
State Farm and USAA are typically the cheapest major insurance companies for minimum coverage SR-22 insurance. Some states require proof of future coverage, meaning you would need to pay your bill in full instead of making monthly payments.
An insurance company may offer different SR-22 rates depending on where you live. Getting a free online insurance quote to compare rates between multiple companies is a great way to make sure you're getting the best deal.
While it’s rare, you might not be able to find coverage at all after certain violations. If you're struggling to find an insurance company that will offer you coverage, most states offer high-risk plans, which you can get through a local insurance agent.
What is SR-22 insurance?
SR-22 insurance isn't an actual policy. An SR-22 is a document your car insurance company files on your behalf that shows you have enough car insurance.
The insurance policy you get after the SR-22 is filed is sometimes referred to as "SR-22 insurance."
States require proof that you have liability insurance since coverage will pay for any injuries or property damage you cause while driving. The coverage provided by the minimum SR-22 insurance will typically not pay for your injuries or damage to your own vehicle.
You are only required to get SR-22 insurance if you are considered a high-risk driver.
This can happen if you have been:
- Convicted of a DUI or DWI
- Involved in an at-fault accident while driving without auto insurance
- Convicted of multiple traffic offenses or you have too many traffic offenses in a short period of time
- Caught driving with a revoked or restricted license
If you are a designated high-risk driver, your state will typically suspend your driver's license. Either your state DMV or a court will require you to get an SR-22. Once the document is filed, you can get your license back and resume driving.
Nonowner SR-22 insurance
If you don’t own a vehicle but you're considered a high-risk driver, you can buy nonowner SR-22 insurance. Nonowner car insurance covers drivers who don’t own a vehicle, so you're insured even when using a rented or borrowed car.
If you already have nonowner car insurance, contact your insurance company and ask it to file an SR-22 on your behalf. This will allow you to get your license reinstated. Nonowner car insurance isn’t available through every insurance company, so you may have a hard time finding coverage, particularly with tickets or accidents on your driving record.
How to get an SR-22
It’s important to request an SR-22 from your insurance company quickly because the court or state usually sets a deadline for filing the form. If you don't meet the deadline, your license may be suspended.
- Contact your carrier or find an authorized insurance company. Drivers typically find out they need an SR-22 form during an administrative court hearing. If the presiding judge orders you to file an SR-22 form, it's your responsibility to contact your insurance company or find a new one.
- Pay the SR-22 filing fee. Your insurance company will usually charge you a fee for filing the SR-22. This typically ranges between $15 and $50.
- Your insurance company files the SR-22. Your company will need to file this document on your behalf with your state's Department of Motor Vehicles.
- Get confirmation. Once your insurance company has filed the SR-22, the DMV may take up to two weeks to process the request. The department may process electronic forms more quickly than ones sent through the mail.
How long do you need to carry an SR-22?
You typically must have a certificate of financial responsibility for three years. But the time frame can range from two to five years, depending on your state and the reason you need an SR-22. The SR-22 will remain valid as long as your car insurance policy is active.
If you cancel the policy or it lapses for any reason, your insurance company must notify proper state authorities.
Your license will be suspended, and this time frame won't count toward the required filing period.
For example, if you're required to have the SR-22 for three years but cancel your insurance after one year, then your license will be suspended. Once you reinstate your insurance and license, the clock starts again and you'll need to have the SR-22 on file for another two years.
The time frame is usually fixed, but the court or state may extend your required filing period if you get another ticket. Your insurance company may raise your rates again because it sees you as a riskier driver.
Once you no longer require an SR-22 form, your auto insurance company files an SR-26 form, effectively ending the sponsorship. Your company can do this automatically through an electronic AAMVA filing.
SR-22 insurance alternatives
Depending on your state and the severity of your violation, you may have to file a different document indicating financial responsibility.
An SR-21 is a document your insurance company files that demonstrates you have enough coverage. It's typically required after you're involved in an accident or you get a ticket at a traffic stop.
Missouri, Georgia and Texas require an SR-22A when drivers repeatedly violate financial responsibility laws. This form requires drivers to have a policy paid in full for at least six months.
Florida and Virginia have the FR-44, also known as the SR-44, which is typically required after a DUI conviction. It's essentially the same document as the SR-22, but the driver must carry twice as much coverage as the state minimum requirement.
The SR-50 filing is only used in Indiana. It's similar to the SR-22 because it provides proof of coverage and allows you to get your license reinstated if it has been suspended.
Frequently asked questions
How much does SR-22 insurance cost per month?
The average cost of SR-22 insurance is $64 per month for a minimum coverage policy. However, drivers with traffic tickets on their record can expect to pay more.
Does SR-22 insurance cover any car that I drive?
Yes, just like standard auto insurance, SR-22 insurance will cover you in any car you drive. However, if you don't own a car, you have to get nonowner SR-22 insurance, which does cover you in any car you drive but gets a little more complicated when it comes to whose insurance pays for what if you need to make a claim.
How do I find out when my SR-22 expires?
You can find out when your SR-22 expires by contacting your local DMV. While SR-22 insurance usually expires after three years, the duration can vary based on your driving record and the state you live in.
To determine the average cost of SR-22 insurance, we gathered insurance rates from 14 national and regional auto insurance companies across 10 states.
All quotes are for minimum coverage for a 30-year-old driver who is required to have an SR-22 on file with his state's Department of Insurance. Rates for drivers with a speeding ticket are based on a single ticket for driving 11-15 mph over the speed limit. Accident rates are based on a crash causing over $2,000 in damage.
Rates were provided by Quadrant Information Services and sourced from public insurer filings. Your rates will likely be different, as these are for comparison purposes only.