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.
If your license has been suspended after one of these violations, you'll need to ask your insurer to file an SR-22 on your behalf or find a new carrier. Then you can reinstate your license and resume driving.
Which companies offer the cheapest SR-22 insurance quotes?
USAA, State Farm, Erie and Farm Bureau had the cheapest SR-22 insurance quotes.
Insurers base the cost of your premium on your perceived risk. And because SR-22s are normally required after you're convicted of a major driving offense, simply having one on file will likely drive up your rates.
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Any auto insurance company licensed in a state can file a SR-22, but they don't have to. An SR-22 requirement signifies you're a risky driver, so your insurer may decide to cancel your coverage if you need one. Even if your insurer chooses to keep your business, the driving violation that brought on the SR-22 may significantly increase your car insurance rates.
If your current company drops you, then you will need to find a new company to file the SR-22 — preferably one that won't heavily penalize you for your conviction. We've found that larger companies, such as Geico and Progressive, tend to penalize drivers more heavily for a DUI than smaller, regional companies do. Even without an SR-22, shopping for the cheapest car insurance is vital to finding the lowest premiums. It becomes even more imperative if you have moving violations on your record.
In the table below, you can see how annual SR-22 rates compare among the 14 biggest auto insurers across the U.S. These rates are based on online quotes for a sample 30-year-old driver.
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Read on to find out which companies offer the cheapest SR-22 insurance in select states.
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How much does an SR-22 cost by state?
The fee to file an SR-22 differs with every state. It usually costs about $25 but can range from $15 to $50. Since your auto insurance company will file the SR-22 for you, the insurer will 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 — so you won’t have to pay each time you renew your car insurance. However, if your auto insurance policy lapses and you purchase new coverage, you'll have to pay the fee again and your new insurer must send proof of coverage to your state.
The same insurer may offer different SR-22 rates across various states, so comparing rates between multiple insurance companies is a great way to make sure you're getting the best deal.
Generally speaking, the impact of an SR-22 on your insurance will be less severe if the cause was minor — a traffic violation versus a DUI conviction, for example. In some states in our survey, rates didn't increase much after our sample driver received a speeding ticket. Below is a table of how rates compare based on the type of violation in some states. We found on average the cheapest SR-22 insurance is offered in Ohio.
Average annual rates
DUI + accident
We've provided a list of the cheapest insurers by state, on average. Click on your state for an in-depth analysis on SR-22 requirements and costs in your area.
The cheapest insurers by state
Among the 12 insurers we analyzed, State Farm and USAA are typically the cheapest carriers for SR-22 insurance. Some states require proof of future coverage, meaning you would need to pay your premium in full instead of in monthly installments.
And while it’s rare, you might not be able to find coverage at all after certain violations. 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. It's a document your car insurance company files on your behalf that shows you have enough car insurance. The insurance policy you receive after filing the SR-22 is sometimes referred to as "SR-22 insurance."
States require proof of third-party liability insurance, since coverage will pay for any injuries or property damage caused to others by your driving. The coverage provided by the minimum SR-22 insurance will typically not cover any injuries to you or damage to your own vehicle. You would only be required to get SR-22 insurance if you had been deemed 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 repeat traffic offenses or too many traffic offenses in a short period of time
- Caught driving with a revoked or restricted license
As a designated high-risk driver, your state will typically suspend your driver's license. Either your state 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 deemed a high-risk driver, you can purchase 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 insurer and ask them to file an SR-22 on your behalf. This will allow you to get your license reinstated. But because nonowner car insurance isn’t available through every insurer, you may have a hard time finding coverage, particularly with violations on your driving record.
How to get an SR-22
- Contact your carrier or find an authorized insurer. Drivers typically find out they need an SR-22 form during an administrative court hearing. If the presiding judge orders you to get one of these, it's your responsibility to contact your insurance company or find a new insurer.
- Pay the SR-22 filing fee. Your insurance company will likely charge you a fee for filing the SR-22. This typically ranges between $15 and $50.
- Your car insurer files the SR-22. Your insurer will need to file this document on your behalf with your state's department of motor vehicles.
- Receive confirmation. Once your insurer 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.
It’s important to request the SR-22 from your insurer 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.
How long do you need to carry an SR-22?
You typically must have a certificate of financial responsibility on your record 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 mandated 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 commit another violation. Your insurer may raise your rates again because it sees you as riskier.
Once you no longer require an SR-22 form, your auto insurance company files an SR-26 form, effectively ending the sponsorship on their behalf. Your insurer 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 insurer files that demonstrates you have enough coverage. It's typically required after you're involved in an accident or you're received 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 the standard minimum liability coverage.
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.
How much does SR-22 insurance cost per month?
The average cost of SR-22 insurance is $135 per month across the 14 biggest auto insurers in the U.S.
Does SR-22 insurance cover any car that I drive?
Yes, just like standard auto coverage, SR-22 insurance will cover you in any car you drive. However, if you don't own a car, you must get non-owner 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.