If you’ve been told you need an SR-22 to reinstate your driver’s license, you might be wondering what it is, why it’s required, and how much it will cost.
An SR-22 is not an insurance policy but rather a certificate of financial responsibility that your insurance company files with your state’s Department of Motor Vehicles (DMV).** This certificate proves that you carry the state-mandated minimum car insurance coverage after a serious driving offense.
This guide will explain:
- What SR-22 insurance is
- Who needs it
- How much it costs
- How to get an SR-22 certificate
What Is SR-22 Insurance?
An SR-22 is a form that proves you carry liability insurance. Your insurance company files this form with your state to confirm you meet the legal requirements for car insurance.
Common Reasons for Requiring an SR-22
You may need an SR-22 if: ✅ You were convicted of DUI/DWI
✅ You caused an accident without insurance
✅ You had multiple traffic violations in a short period
✅ Your license was suspended or revoked
✅ You failed to maintain mandatory insurance coverage
Note: Not all states require SR-22s. If you’re unsure, check with your local DMV.
How Much Does SR-22 Insurance Cost?
The cost of an SR-22 varies depending on several factors, including your driving record, location, and insurance provider.
1. Filing Fee for SR-22
Most insurance companies charge a one-time filing fee of $15 – $50 to submit an SR-22 to the DMV.
2. Increased Insurance Premiums
Since an SR-22 is required after serious violations, your insurance rates will likely increase. Below are estimated annual premium increases after filing an SR-22:
| Violation Type | Average Annual Insurance Cost Before SR-22 | Average Annual Cost With SR-22 |
|---|---|---|
| DUI/DWI | $1,500 | $3,000 – $6,000 |
| Driving Without Insurance | $1,200 | $2,500 – $4,000 |
| Multiple Speeding Tickets | $1,400 | $2,800 – $5,000 |
| At-Fault Accident | $1,300 | $2,600 – $4,500 |
3. State Differences in SR-22 Costs
The cost of SR-22 insurance also varies by state. Below are average monthly premiums for drivers with an SR-22:
| State | Average Monthly SR-22 Cost |
| California | $180 – $350 |
| Texas | $150 – $300 |
| Florida | $200 – $400 |
| Illinois | $130 – $250 |
| Ohio | $100 – $200 |
How Long Do You Need an SR-22?
Most states require you to maintain an SR-22 for three years, but it can vary depending on the offense. If you let your insurance lapse, your insurance company must notify the DMV, which can lead to penalties like license suspension or restarting your SR-22 period.
How to Get SR-22 Insurance
If you need an SR-22, follow these steps:
Step 1: Contact Your Insurance Provider
Not all insurers offer SR-22 filings. If your current provider doesn’t offer SR-22 insurance, you’ll need to switch to a company that does.
Step 2: Purchase an SR-22 Policy
To get an SR-22, you must buy a car insurance policy that meets your state’s minimum coverage. If you don’t own a car, you may need non-owner SR-22 insurance.
Step 3: Pay the SR-22 Filing Fee
Your insurance company will charge a one-time fee of $15 – $50 to file the SR-22.
Step 4: Wait for Processing
Most states process SR-22 forms within 1-2 weeks, but some states allow electronic filing for faster approval.
Step 5: Maintain Continuous Coverage
You must keep your policy active for the required time (usually three years). If your coverage lapses, your SR-22 period may reset.
SR-22 Alternatives: Non-Owner SR-22 Insurance
If you don’t own a car but still need an SR-22, you can purchase non-owner SR-22 insurance.
What is Non-Owner SR-22 Insurance?
Non-owner insurance covers liability when you drive a borrowed or rented vehicle. It’s cheaper than standard SR-22 insurance since it doesn’t cover a specific car.
Who Needs Non-Owner SR-22 Insurance?
- Drivers without a car but required to carry an SR-22
- Those seeking license reinstatement
- Individuals who frequently rent or borrow vehicles
Average Cost of Non-Owner SR-22 Insurance
| State | Monthly Cost |
| California | $50 – $120 |
| Texas | $45 – $100 |
| Florida | $60 – $140 |
| Illinois | $40 – $90 |
| Ohio | $35 – $80 |
FAQs & Final Thoughts
FAQs
1. Can I cancel my SR-22 before the required period ends?
No. If you cancel early, your insurance provider must notify the DMV, which can result in penalties like a suspended license.
2. Will an SR-22 affect my credit score?
No, filing an SR-22 does not impact your credit score. However, higher insurance premiums may affect your budget and finances.
3. How do I know when I no longer need an SR-22?
Your DMV will notify you once your requirement period ends. You should confirm with them before canceling your SR-22 policy.
Final Thoughts
- SR-22 insurance is required for high-risk drivers and proves financial responsibility to the state.
- Premiums increase significantly, but comparing multiple insurers can help you find the best rates.
- Maintaining continuous coverage is crucial to avoid penalties or restarting your SR-22 period.
- Non-owner SR-22 insurance is an affordable option for those without a vehicle.
If you need SR-22 insurance, start comparing affordable policies today to meet your state’s requirements and get back on the road!
