How much does SR22 insurance cost?
SR22 insurance costs vary by state, driving record, and carrier. The SR22 itself is a certificate attached to your auto insurance policy — it adds a surcharge on top of your standard premium because you're classified as a high-risk driver. Comparing rates from multiple carriers is the most effective way to reduce your cost.
What Drives SR22 Cost
Your SR22 insurance rate depends on several factors:
- Your state — Each state has different minimum coverage requirements and rate structures.
- The violation — A DUI often carries higher surcharges than a lapsed-insurance violation.
- Your full driving record — Additional violations or accidents increase your rate.
- Owner vs. non-owner — Non-owner policies are often less expensive.
- Your age and other rating factors — Standard insurance rating factors still apply.
Why Rates Vary Between Carriers
High-risk auto insurance rates can vary dramatically between carriers. Some carriers specialize in certain violation types and offer lower surcharges, while others may not write high-risk policies at all. This is why comparing rates from multiple carriers — rather than accepting the first quote — can save you significantly over your state's filing period.
We compare rates from 15+ carriers that write SR22 policies in your state to find the lowest available premium for your specific situation.
Ready for Your Quote?
Talk to a licensed agent who specializes in SR22 and FR44 filings. Same-day electronic filing in 10 states.