SR-22 Insurance — What It Covers & What It Costs
A certificate proving you carry the state-required minimum insurance — required after serious violations.
Get Your Free Quote$1,800–$4,500/yr
Average Cost
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Key Benefits
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Related Coverages
Drivers required by the state after DUI
Best For
Understanding SR-22 Insurance
An SR-22 is not actually a type of insurance — it's a certificate your insurance company files with your state's DMV to prove you carry at least the minimum required liability coverage. Courts and DMVs typically require an SR-22 after serious driving violations like DUI/DWI, driving without insurance, reckless driving, or accumulating too many points on your license.
Having an SR-22 requirement significantly increases your insurance premiums because you're classified as a high-risk driver. You'll typically need to maintain the SR-22 filing for 3 to 5 years, and any lapse in coverage during that period can result in license suspension and restarting the clock on your filing period.
Not all insurance companies offer SR-22 filings, so you may need to shop around. The filing fee itself is usually small ($15–$50), but the premium increase is substantial. Comparing quotes from multiple carriers is especially important for SR-22 drivers because rates vary widely among companies willing to insure high-risk drivers.
Key Benefits
- Restores your driving privileges after a serious violation
- Provides proof of financial responsibility to the state
- Filing is automatic — your insurer handles the paperwork
- Available from multiple carriers for rate comparison
Limitations to Know
- Significantly higher premiums due to high-risk classification
- Must be maintained for 3–5 years without any lapse
- Not all insurers offer SR-22 filings
- A coverage lapse can restart the required filing period
SR-22 Insurance by State
Requirements and typical costs for sr-22 insurance vary by state. Pick yours for local details.
Frequently Asked Questions
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