SR-22 Insurance Explained: Cost, Duration, and How to File
February 20, 2025 · 8 min read
An SR-22 isn't insurance — it's a certificate your insurer files with the state proving you carry the required minimum liability coverage.
When you need one
After a DUI, reckless driving, driving without insurance, multiple at-fault accidents, or a license suspension.
How much it costs
The filing fee is typically $15–$50. The real cost is the premium increase — usually 40–80% above your prior rate, sometimes more for DUI.
How long it lasts
Most states require an SR-22 for 3 years. Florida and Virginia use FR-44 for serious violations, which lasts up to 3 years at higher liability minimums.
Don't let it lapse
A single missed payment triggers a notice to your state DMV and license suspension.