What additional fee might insurance carriers charge for filing SR22 forms?

Insurance carriers may charge a one-time filing fee for processing an SR-22 form. This fee varies by insurance company and state but typically ranges from $15 to $50. The SR-22 filing fee is charged to cover the administrative costs associated with filing the certificate with the state’s department of motor vehicles (DMV) or equivalent agency to prove that you carry the minimum required auto insurance coverage.

It’s important to note that this fee is in addition to your insurance premium. While the filing fee itself is relatively modest, the overall impact on your insurance costs can be significant, as drivers required to file an SR-22 are often categorized as high-risk. This categorization can lead to higher insurance premiums, reflecting the increased risk that the insurance company assumes by providing coverage to someone who has had a serious driving infraction, such as a DUI, driving without insurance, or other major traffic violations.

When shopping for insurance with an SR-22 requirement, it’s a good idea to ask about any additional fees, including the SR-22 filing fee, to fully understand the total cost of your insurance policy. Some insurers might be more favorable in terms of the fees they charge, while others might offer lower overall premiums even with the filing fee included.