Insurance companies are typically allowed to charge a nominal fee for filing the financial responsibility form (certificate) to the state. State laws differ however the SR-22 form filing fee is typically only $15 to $25. So the SR-22 form itself to file will not cost $1100 however your mother may be saying that your portion of the auto insurance is costing $1100.

The car insurance coverage purchased that is associated with the SR-22 form will be rated according to all the factors that normally go into rating a policy, regardless of the SR-22 form filing. The rates are not different if you are getting an SR-22 or not.

Your driving record is a rating factor in the cost of auto insurance so the reason that you are required to acquire and maintain the SR-22, such as reinstating your license after a DUI suspension for an example, will affect your car insurance premium cost however the SR-22 form itself does not beyond the filing fee. So if you are required to carry the SR-22 due to a serious offense than it is likely that offense and your driving record overall that is making your insurance coverage so costly.

To see if your rates with the SR-22 may cost less with a different auto insurance carrier, other than your mother's insurance provider, click here to obtain a quote for an insurance policy that includes a SR-22 filing.