SR-22 Insurance
SR-22 Insurance Cost Calculator
See your estimated SR-22 filing fee, premium surcharge, and new annual cost based on the state and violation type, plus compliance guidance.
Estimated SR-22 Cost
$4,095/yr
Filing fee $25 · +$185/mo vs baseline
State baseline auto$1,872
Surcharge+119%
State filing fee$25
Typical duration3 years
What an SR-22 actually is
An SR-22 is not insurance — it's a certificate your insurer files with the state DMV proving you carry the required minimum liability coverage. It's typically required after a DUI, reckless driving conviction, driving without insurance, or license suspension.
Duration
Most states require an SR-22 for 3 years. Florida and Virginia use FR-44 for serious violations, which can require higher liability limits.
Tips for cheaper SR-22
- Shop non-standard / specialty carriers that focus on high-risk drivers
- Maintain continuous coverage — any lapse extends the SR-22 timer
- Ask about defensive driving discounts post-violation