How Much Does SR-22 Insurance Cost?
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SR-22 Insurance Costs (2025)
📊 Quick Stats
- SR-22 filing fee: $15-35 (one-time)
- Average premium with SR-22: $185/month
- Average premium without: $100/month
- Premium increase: +50% to +100% over standard rates
- Requirement period: 3 years (most states)
- 3-year total extra cost: $3,000-6,000
Cost by Violation Type
| Violation | Avg. Monthly | Rate Increase |
|---|---|---|
| DUI / DWI | $220 | +100% |
| Reckless Driving | $185 | +70% |
| Driving on Suspended License | $175 | +60% |
| Driving Uninsured | $160 | +50% |
| Multiple At-Fault Accidents | $170 | +60% |
| Excessive Points | $150 | +40% |
SR-22 Requirements by State
| State | Required Period | Filing Fee | Avg. Premium |
|---|---|---|---|
| California | 3 years | $25 | $195/mo |
| Texas | 2 years | $25 | $180/mo |
| Florida | 3 years | $15 | $210/mo |
| Ohio | 3 years | $25 | $155/mo |
| Georgia | 3 years | $25 | $175/mo |
| Michigan | 3 years | $25 | $240/mo |
Note: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania do not use SR-22. They use alternative forms like FR-44 or Certificate of Financial Responsibility.
How to Lower Your SR-22 Costs
🔍 Compare Multiple Quotes
SR-22 rates vary dramatically between insurers. Compare at least 3-5 quotes.
📋 Consider Non-Owner SR-22
If you don't own a car, non-owner SR-22 costs just $20-30/month.
📚 Take Defensive Driving
Many states offer 5-15% discount for completing an approved course.
💳 Pay in Full
Avoid monthly payment fees to save 5-10% on your total premium.
SR-22 Cost FAQs
How much does SR-22 insurance cost?
SR-22 insurance costs an average of $185/month, compared to $100/month for standard insurance. The SR-22 filing fee itself is only $15-35, but your premium increases 50-100% due to the underlying violation.
How long do I need SR-22?
Most states require SR-22 for 3 years, though some require 5 years for serious violations. If your insurance lapses during this period, the clock restarts.
What happens if I let my SR-22 lapse?
Your insurer must notify the DMV within 30 days if your SR-22 lapses. This typically results in immediate license suspension and the 3-year period restarting.
Can I get SR-22 without a car?
Yes! Non-owner SR-22 policies provide liability coverage when driving any car. They cost significantly less ($20-30/month) than standard SR-22 policies.
Get Your SR-22 Filed Today
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