What is SR-22 Insurance?
SR-22 isn't actually insurance—it's a certificate of financial responsibility that proves you have auto insurance. Your insurance company files this form electronically with your state's DMV.
Think of it as a promise to the state: "We're insuring this driver, and we'll notify you immediately if the policy lapses."
When is SR-22 Required?
- DUI/DWI conviction - The most common reason
- Driving without insurance - Caught uninsured
- Too many points - Multiple violations in short period
- At-fault accident without insurance
- Unpaid court judgments - From car accidents
- License reinstatement - After suspension
How Much Does SR-22 Cost?
Cost Breakdown
| SR-22 filing fee (one-time) | $15-50 |
| Premium increase (annual) | $1,500-3,000+ |
| Total 3-year cost increase | $4,500-9,000 |
*Costs vary significantly by state, violation type, and driving history
SR-22 Costs by Violation Type
| Violation | Avg. Rate Increase | Duration Required |
|---|---|---|
| DUI (first offense) | +65-80% | 3-5 years |
| Driving without insurance | +30-50% | 3 years |
| Reckless driving | +40-60% | 3 years |
| Multiple violations | +50-100% | 3 years |
Best Insurance Companies for SR-22
Not all insurers offer SR-22, and those that do vary widely in pricing. Here are the best options:
Progressive
Best Overall for SR-22
- Specializes in high-risk drivers
- Same-day SR-22 filing
- Quote comparison tool built-in
GEICO
Lowest Rates After DUI
- Competitive rates for DUI drivers
- Fast online filing
- Good customer service
The General
Accepts Almost Anyone
- Very lenient underwriting
- Multiple DUIs accepted
- No-money-down options
Dairyland
Budget-Friendly Option
- Lower rates than average
- Works with high-risk drivers
- Flexible payment plans
How to Get SR-22: Step by Step
Get Quotes from SR-22 Insurers
Compare rates from at least 3 companies. Not all insurers offer SR-22, and prices vary significantly.
Purchase a Policy
Buy at least your state's minimum required coverage. You can purchase more, but minimum is all that's required for SR-22.
Request SR-22 Filing
Tell your insurer you need an SR-22. They'll file it electronically with your state's DMV (usually within 24-48 hours).
Pay the Filing Fee
Most insurers charge $15-50 for the filing. This is a one-time fee.
Get Your License Reinstated
Once the DMV receives your SR-22, you can apply to reinstate your license. Some states do this automatically.
Get SR-22 Insurance Quotes
Compare SR-22 Insurance Rates
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Get SR-22 Quotes →Frequently Asked Questions
What is SR-22 insurance?
SR-22 isn't actually insurance—it's a certificate that proves you have the minimum required auto insurance. Your insurance company files this form with your state's DMV after certain violations like DUI, driving without insurance, or too many points on your license.
How long do you need SR-22?
Most states require SR-22 for 3 years from the date of reinstatement. Some violations like DUI may require 5 years. If your policy lapses during this period, the clock restarts.
Can I get SR-22 without a car?
Yes! This is called "non-owner SR-22" insurance. It covers you when driving cars you don't own and satisfies the SR-22 requirement. It's usually cheaper than standard SR-22.
Will SR-22 show on my driving record?
The SR-22 itself is confidential between you, your insurer, and the DMV. However, the violation that caused you to need SR-22 (like a DUI) will show on your record.