SR-22 Auto Insurance in 2025 (Coverage Explained)
SR-22 auto insurance is a certificate proving high-risk drivers carry the state-required minimum liability auto insurance coverage. It usually costs less than $50 to file an SR-22 form, but drivers who need them have higher insurance rates. Below, we'll help you find the cheapest auto insurance with an SR-22.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jul 9, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 9, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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SR-22 auto insurance isn’t insurance at all — it’s a certificate proving you carry the minimum liability auto insurance required by your state laws. If your driver’s license gets revoked, you must file an SR-22 with your local Department of Motor Vehicles to prove you have the suitable types of auto insurance and can legally drive again.
States require you to keep this endorsement on your policy for one to five years.
While your auto insurance rates increase with an SR-22 form, you can still find cheap auto insurance coverage by shopping online and comparing quotes. The best insurance companies for SR-22 filings are USAA, Geico, and State Farm. However, only military members, veterans, and their families qualify for USAA insurance coverage.
Keep reading to learn about SR-22 insurance quotes and how to file an SR-22 in your state. To find the best and cheapest SR-22 car insurance today, enter your ZIP code into our free quote comparison tool above to start shopping.
- SR-22 insurance is for high-risk drivers with DUIs or violations
- Not every state requires SR-22; your DMV will notify you if needed
- USAA, Geico, and State Farm offer the cheapest SR-22 insurance
How SR-22 Auto Insurance Works
What is a SR-22 insurance? SR-22 form is not an auto insurance policy. Most states refer to it as a certificate of financial responsibility, proving a driver carries the liability insurance meeting the minimum auto insurance requirements by the state.
What does an SR-22 cover? SR-22 doesn’t provide outright coverage but proves you carry the minimum liability amount you need to drive. You can have full coverage auto insurance coverage with an SR-22; the certificate will confirm that coverage level.
Not every state requires an SR-22. For example, drivers don’t have to file SR-22 insurance in New York or New Jersey. However, most state laws mandate SR-22, FR-44, or similar filings for high-risk drivers, including those with DUI/DWI charges.
FR-44 Auto Insurance vs. SR-22 Auto Insurance
So, what are SR-22 and FR-22 insurance in Florida? FR-44 auto insurance is similar to SR-22, except only Florida and Virginia require it. The FR-44 certificate proves drivers carry liability insurance, but the minimums needed by FR-44 are usually higher than the state’s legal minimums. For example, FR-44 requires Virginia drivers to double their minimum liability from 25/50/20 to 50/100/40 to reinstate their driving privileges.
How Long SR-22 Auto Insurance Lasts
Insurance companies add the SR-22 as an endorsement to your insurance policy, and you’ll be required to maintain SR-22 insurance for as long as the court orders — anywhere between one and five years.
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SR-22 Auto Insurance Costs
SR-22 auto insurance costs vary by state. Drivers generally pay between $15 and $50 to file SR-22, but state laws can tack on additional fees, including license reinstatement costs of $100 or more.
On top of these fees, insurance companies charge drivers higher monthly rates for SR-22. So you can see your rates double or triple after losing your license and filing for SR-22 insurance. The key to finding your best rates will be researching the best auto insurance companies for high-risk drivers. The table below shows how much high-risk auto insurance costs after accident violations:
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
Insurance Company Clean Record One Accident
$122 $189
$225 $363
$164 $247
$138 $196
$330 $621
$106 $153
$397 $496
$169 $238
$133 $219
$162 $254
$161 $235
$194 $308
U.S. Average $165 $244
Read more about auto insurance for drivers who have accidents. This table shows the average monthly rates for drivers with a DUI on their record:
Auto Insurance Monthly Rate Increases: Clean Record vs. One DUI
| Insurance Company | Clean Record | One DUI | Rate Increase |
|---|---|---|---|
 | $87 | $152 | 75% |
 | $62 | $104 | 68% |
 | $76 | $105 | 38% |
 | $43 | $117 | 172% |
 | $96 | $178 | 85% |
 | $63 | $129 | 105% |
 | $56 | $75 | 34% |
| $47 | $65 | 38% |
| $53 | $112 | 111% |
 | $32 | $58 | 81% |
Filing SR-22 will raise your insurance rates because insurers consider them more likely to file a claim. State Farm, USAA, and Geico are the best auto insurance companies for high-risk drivers. Explore how to get SR-22 auto insurance from Geico and start driving legally.
Still, you’ll get the cheapest SR-22 insurance rates by comparing quotes from as many companies as possible. We recommend choosing three insurers you like best to see which will offer you the best rates.
Cheapest SR-22 Auto Insurance Companies
While state laws set SR-22 filing fees, various factors affect auto insurance rates for SR-22 coverage, and insurers all charge different premiums. So compare your SR-22 insurance quotes with those of other companies to see which offers the best SR-22 price to a driver with your record.
USAA, State Farm, and Geico are the cheapest SR-22 insurance companies compared to the country’s top insurers. However, USAA is only available to military members, veterans, and their families. Read more about how to find the best auto insurance for veterans. Check out the table below to compare liability insurance rates for these companies and others:
Minimum Coverage Auto Insurance Rates by Provider
| Insurance Company | Monthly Rates |
|---|---|
| $87 |
| $62 |
| $53 |
| $76 |
| $43 |
| $96 |
| $63 |
| $56 |
 | $47 |
| $53 |
 | $32 |
| U.S. Average | $61 |
These rates are averages based on liability-only auto insurance policies. Your costs will vary by age, gender, and policy type. Auto insurance rates by ZIP code also vary for SR-22 coverage, so always compare quotes from local companies for the best rates.
SR-22 Auto Insurance by State
State laws determine filing fees and place other restrictions on insurance companies regarding SR-22 insurance rates. For example, California SR-22 auto insurance law forbids insurance companies from offering discounts to drivers with DUI convictions for at least ten years. Alaska auto insurance laws require drivers to carry SR-22 insurance permanently after a fourth DUI offense.
In Alabama, you'll pay $275 to reinstate your license. However, in Alaska, it only costs $100. To find out the exact rules around SR-22 insurance, it’s best to check out your state’s DMV website.Daniel S. Young Insurance Content Team Lead
The requirements and costs of an SR-22 policy vary widely across the United States. A good example is Alabama auto insurance. Your court judgment and state law determine when you can remove SR-22. For example, while drivers in most states must carry SR-22 for one to five years, the court may order you to file SR-22 for longer based on your driving record and the number of offenses.
Drivers Who Need an SR-22 Auto Insurance Policy
The local DMV will notify you if you need to file SR-22 insurance. You can expect to file SR-22 if you:
- Get Charged With DUI/DWI or Reckless Driving Violations
- Commit Multiple Traffic Violations in a Short Period
- Cause Numerous Auto Accidents in a Short Period
- Get Caught Driving Without Auto Insurance
- Have a Restricted or Suspended License
- Fail to Pay Court-Ordered Child Support
Not every driver needs to file an SR-22 after a traffic violation. Your state laws will dictate who needs an SR-22. For example, Texas drivers must file an SR-22 if their license gets suspended after an accident.
In other states, drivers must file SR-22 after certain civil judgments, forfeiting bonds, or failing to meet state minimum liability requirements. State laws also dictate how to obtain and file SR-22, so it’s important to research local laws and speak with an insurance or DMV representative before buying SR-22 insurance.
Read more about these affordable SR-22 providers:
How to Get SR-22 Auto Insurance Coverage
Before you get SR-22 insurance, determine what kind of certificate you need. States offer three types of SR-22 forms depending on your driving needs:
- Owner’s Certificate: This SR-22 insurance covers the vehicle you own.
- Operator’s Certificate: You may need non-owner SR-22 auto insurance if you need SR-22 insurance without a car.
- Owner-Operator’s Certificate: Covers your registered vehicle and other vehicles you may drive, regardless of ownership.
Once you know which form you need, filing the certificate is relatively straightforward. You can buy SR-22 insurance in two easy steps:
- Contact Your Insurance Company: Let an agent know you must file SR-22, and they’ll start the process. If you’re buying online from a new company, answer “Yes” when prompted, “Do you need a certificate of financial responsibility?”
- File the SR-22: Your insurance company will charge a fee to file the SR-22 certificate. Some states — including Texas — may allow you to drop the form off in person and avoid the fee.
If you don’t have car insurance, shop around online for competitive SR-22 insurance quotes and choose the most affordable company. USAA, Geico, and State Farm have the best rates in most states, but you’ll find the cheapest quotes by comparing them to local insurers near you. Read more about how to evaluate auto insurance quotes.
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Finding Affordable SR-22 Auto Insurance Near You
SR-22 insurance costs may be more expensive than average, but you can still find affordable SR-22 car insurance rates in your neighborhood. The trick is to shop around and to know how to get multiple auto insurance quotes before buying.
Don’t give up on car🚘 insurance because you have a DUI, and it’s hard to find a provider. Check out 👀our guide to finding low-cost car insurance even with a less-than-perfect record👉: https://t.co/taBW1ulIVx pic.twitter.com/w1rDJR8PjI
— AutoInsurance.org (@AutoInsurance) October 9, 2024
So, can you get auto insurance with a suspended license? Yes, but you’ll need to file an SR-22 form to reinstate your license after a suspension. You may also need to file SR-22 insurance with your company if you have DUI or reckless driving charges. These charges will raise your insurance rates, so compare rates from the best auto insurance companies for SR-22 coverage to get cheap rates.
SR-22 insurance will show up on your driving record, and the DMV will notify you if you need to file it with your insurer. For example, you may have to file an SR-22 to reinstate your driving privileges once your license gets revoked.Benjamin Carr Former Insurance Agent State Farm
USAA, Geico, and State Farm consistently offer cheap SR-22 insurance quotes. However, coverage with USAA is limited to active and veteran military members and their families. Read more about how to find the best auto insurance for military families and veterans.
Enter your ZIP code into our free quote comparison tool below to get started on finding the best SR-22 insurance coverage.
Frequently Asked Questions
What is the cost of SR-22 insurance?
SR-22 insurance typically costs around $50 to file, but the monthly premium can increase significantly, depending on your driving record and state. For more information on temporary coverage options, learn how to insure a car for 1 month with affordable and flexible plans.
How much does SR-22 insurance cost per month?
SR-22 insurance may increase your monthly premium by $30 to $80, depending on your driving history and insurer.
Where can I find cheap SR-22 car insurance?
USAA, Geico, and State Farm are among the top providers offering affordable SR-22 car insurance for high-risk drivers. Get fast and cheap auto insurance coverage today with our quote comparison tool below.
How can I get low-cost SR-22 auto insurance?
To find low-cost SR-22 auto insurance, compare quotes from providers like Geico and Progressive and apply any eligible discounts for safe driving or bundling.
How much will an SR-22 increase my insurance premium?
An SR-22 could raise your auto insurance premium by 50% or more each month, depending on your driving history and location.
What does full coverage SR-22 insurance cost?
Full coverage SR-22 insurance can cost between $150 and $300 monthly, depending on your vehicle, driving history, and insurance provider.
How can I get SR-22 auto insurance quotes?
You can get SR-22 auto insurance quotes from top companies like USAA, Geico, and Progressive online or by contacting local agents to compare rates.
What should I know about SR-22 insurance in Alabama?
In Alabama, SR-22 insurance is required for high-risk drivers, and premiums typically range from $70 to $150 per month. Continuous coverage is recommended to avoid license suspension.
Where can I find cheap SR-22 insurance in Mississippi?
To get cheap SR-22 insurance in Mississippi, look at insurers like USAA and Geico. Comparing multiple quotes can help lower your monthly premium. For more tips on how to compare auto insurance quotes, read more here.
What is the cheapest SR-22 insurance in Washington State?
Geico, Progressive, and State Farm offer some of the cheapest SR-22 insurance in Washington State, with monthly premiums starting at around $100.
What is the cost of SR-22 insurance in Hawaii?
SR-22 insurance in Hawaii usually costs between $50 and $100 per month, depending on your driving record and insurer.
Where can I find cheap SR-22 insurance in Colorado?
Companies like Geico and Progressive offer affordable SR-22 insurance in Colorado. Comparing quotes online can help you find the lowest rate.
How much does SR-22 insurance cost in Montana?
In Montana, SR-22 insurance costs typically range from $70 to $150 per month, based on your driving history and insurance provider. Get the best Montana auto insurance at affordable rates.
What is the cost of SR-22 insurance in Texas?
SR-22 insurance in Texas can cost between $100 and $200 per month, depending on the insurer and your driving history.
Where can I find the cheapest SR-22 insurance in California?
USAA, Geico, and State Farm offer the cheapest SR-22 insurance in California, with monthly premiums starting around $100.
What is the cheapest SR-22 insurance in Florida?
Companies like Progressive, Geico, and USAA provide the cheapest SR-22 insurance in Florida, with rates starting at around $120 per month.
Does Root Insurance offer SR-22 insurance?
Yes, Root Insurance provides SR-22 insurance. You can file an SR-22 through their platform if your state requires it. Check out our detailed Root auto insurance review for more insights.
Who is required to have SR-22 insurance in Connecticut?
In Connecticut, SR-22 insurance is required for drivers who have committed serious traffic violations, such as DUIs or repeated offenses.
How much does SR-22 insurance cost in Massachusetts?
The cost of SR-22 insurance in Massachusetts typically ranges from $80 to $160 per month, depending on your driving record. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
What is the cost of SR-22 insurance in West Virginia?
SR-22 insurance in West Virginia usually costs between $90 and $170 per month, based on the provider and your risk profile.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.