Cheap SR-22 Auto Insurance
SR-22 insurance is a certificate of responsibility proving drivers carry minimum liability coverage. It costs $15 to $50 to file and raises your insurance rates.
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UPDATED: Aug 30, 2022
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Table of Contents
- You must get SR-22 insurance when you have too many points on your license or get convicted of serious driving infractions, like a DUI or driving without insurance
- Not every state requires SR-22, but your local DMV will notify you if you need to file
- The cheapest SR-22 insurance companies are State Farm and USAA
SR-22 insurance isn’t insurance at all — it’s a certificate proving you carry the minimum liability 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 auto insurance and can legally drive again. States require you to keep this endorsement on your policy for one to five years.
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Does an SR-22 make insurance go up? Yes, your auto insurance rates will increase with an SR-22 form, but you can still find affordable coverage by shopping online and comparing quotes. The best insurance companies for SR-22 filings are USAA and State Farm.
State Farm offers competitive SR-22 insurance rates to drivers all over the country, but USAA is only available to military members and their families. The good news is you might find more affordable prices with a local insurer if you compare auto insurance quotes online.
Keep reading to compare free SR-22 insurance quotes and learn more about how to file an SR-22 in your state.
Table of Contents
What is SR-22 insurance?
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An 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 minimums required by local insurance laws.
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.
What does SR-22 cover? SR-22 doesn’t provide outright coverage but proves you carry the minimum liability amount you need to drive. You can choose to carry full coverage with an SR-22, and the certificate will prove that coverage level.
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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.
What is an FR-44?
FR-44 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 required 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 do you need an SR-22 or FR-44?
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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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Who needs an SR-22?
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 insurance or involved in an accident without 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.
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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.
How much does SR-22 insurance cost?
SR-22 insurance costs vary by state. In general, drivers 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.
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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 SR-22 insurance. The table below show how much high-risk drivers pay for auto insurance after accident violations.
Insurance Company Rates with an Accident Rates with a Clean Record
Allstate $2,848 $1,993
American Family $2,000 $1,386
Farmers $2,383 $1,674
GEICO $1,595 $984
Liberty Mutual $2,840 $2,120
Nationwide $1,983 $1,445
Progressive $2,284 $1,310
State Farm $1,285 $1,091
Travelers $1,888 $1,287
Average $2,123 $1,477
This table shows the average annual rates for drivers with a DUI on their record.
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. 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 Insurance Companies
While state laws set SR-22 filing fees, insurance companies will charge different rates after filing. So compare your SR-22 quotes with different companies to see which offers the best price to a driver with your record.
We found that State Farm and USAA are the cheapest SR-22 insurance companies when compared to the top insurers in the country:
Insurance Company Rates with a DUI Rates with an Accident Rates with a Ticket Rates with a Clean Record
Allstate $3,638 $2,848 $2,342 $1,993
American Family $2,124 $2,000 $1,571 $1,386
Farmers $2,296 $2,383 $2,108 $1,674
GEICO $2,566 $1,595 $1,282 $984
Liberty Mutual $3,900 $2,840 $2,600 $2,120
Nationwide $3,028 $1,983 $1,737 $1,445
Progressive $1,760 $2,284 $1,710 $1,310
State Farm $1,490 $1,285 $1,227 $1,091
Travelers $2,765 $1,888 $1,780 $1,287
USAA $1,335 $996 $859 $753
Average $2,619 $2,123 $1,818 $1,477
These rates are averages based on liability-only policies. Your costs will vary based on age, gender, and policy type. Where you live can also impact how much you pay for auto insurance after SR-22, so always compare quotes from local companies to get 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 costs. For example, California law forbids insurance companies from offering discounts to drivers with DUI convictions for at least 10 years. In Alaska, drivers must carry SR-22 insurance permanently after a fourth DUI offense.
Curious about SR-22 insurance costs and requirements in your state? Use the table below to compare filing periods and fees where you live:
The requirements and costs of an SR-22 policy vary widely across the United States. A good example is Alabama. In Alabama, you will have to pay $275 dollars to have your license reinstated. However, in Alaska, it will only cost $100. To find out the exact rules around SR-22 insurance, it’s best to check out your state’s DMV website.
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 you have.
How to Get SR-22 Insurance
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. This non-owner SR-22 insurance is for drivers who don’t own a vehicle.
- Owner-operator’s certificate. This 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 auto insurance company. Let an agent know you need to file SR-22, and they’ll start the process for you. 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. State Farm and USAA have the best rates in most states, but you’ll find the cheapest quotes by comparing them to local insurers near you.
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Finding Affordable SR-22 Insurance Near You
SR-22 insurance costs may be more expensive than average, but you can still find affordable SR-22 auto insurance in your neighborhood. The trick is to shop around and compare multiple insurance quotes before buying.
You might need to file SR-22 insurance with your company if you have DUI or reckless driving charges. In addition, if your license got revoked or suspended, the DMV might require you to file SR-22 to reinstate your driving privileges. These charges will raise your insurance rates, so compare at least three different companies to find the best price.
State Farm and USAA consistently offer cheap SR-22 insurance quotes. State Farm is available in all 50 states, but coverage with USAA is limited to active and veteran military members and their families. Compare these companies with local insurers near you to see which offers the cheapest rates.
You can compare SR-22 insurance companies now with our free comparison tool below. Get rates from local companies and compare costs for different policy types to find the right coverage for your budget
Frequently Asked Questions
What is the difference between SR-22 and FR-44?
SR-22 and FR-44 forms are both certificates of financial responsibility and prove drivers carry minimum liability insurance. The main difference is that FR-44 has higher requirements and is only in Virginia and Florida.
What if I need an SR-22 and don’t have a car?
You can get SR-22 insurance without a vehicle with an operator’s certificate — also known as non-owner SR-22 insurance. You can buy non-owner auto insurance from most major companies, and they’ll file the non-owner SR-22 form for you.
How much will an SR-22 increase the cost of my insurance?
SR-22 insurance costs depend on your state laws and driving record. Getting quotes from top insurance companies can help keep the cost of SR-22 insurance down.
How do I get my SR-22 removed?
The DMV will drop the SR-22 insurance requirements on your license once you’ve finished the minimum filing period or met the judgment terms. SR-22 filing periods vary by state, but you typically cannot remove SR-22 for at least one to five years.
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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.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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