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 it would depend upon your state laws and if they have set a specific amount that insurance providers can charge for filing the SR22 or if they say that an insurer can charge a fee up to a certain amount. So say that a state law lets an insurance carrier charge up to $25 for the SR-22 filing fee. Then one insurer may charge $15 while another insurance provider charges the $25 top limit amount.

One example of state laws is Missouri which used to prohibit the use of any type of policy fee, service charge, inspection fees, and fees for regulatory filings including SR-22 fees. This law was rescinded though in 2003 and now MO Code of Regulations (CSR) only requires that fees and premiums charged for SR-22s shall be reasonable.

Missouri law (20 CSR 500-2.300) states that any insurer providing coverage to an insured under a certified policy may file, on behalf of him/herself and the person covered, any such form as the situation requires. (B) Any special premium charge assessed by an insurer for providing coverage to an insured under a certified policy shall be reasonable in amount, and may include charges including:

The cost to the insurer of filing one (1) SR-22 form or other appropriate form. This charge shall be assessed only once during the period of the certified policy, including renewals, provided however, that if the policy has been canceled due to the nonpayment of premium, an additional charge may be assessed upon any reinstatement of the policy by the insurer.

In some states you will notice a higher premium than you are used to paying if you need to purchase more coverage to comply with the SR22. For example, in Florida you only need PIP and Property Damage Liability to drive a vehicle, but when you purchase an SR22, Bodily Injury Liability is required. So, in that instance you will pay an additional amount for the additional coverage to get the SR22. This can cause some consumers to feel that the SR22 is costing them that extra amount, but is merely the additional coverage they need to comply with the SR22 requirements.

To find out about your state's laws and the amount an insurance company can charge policyholders to file the SR22 form contact your state's insurance regulator.