If you’ve gotten a DUI or got pulled over for reckless driving, you might be required to obtain an SR-22, which is a certificate of financial responsibility.

The bad news is that an SR-22 filing with a DUI can increase your car insurance rates by an average of 116% per year, increasing the cost for a 40-year-old male driver with one DUI from an average of $1,986 to $4,291 per year, according to a 2022 CarInsurance.com rate analysis.

The insurance policy associated with an SR-22 is calculated according to standard rating factors, such as your driving record, your geographical location and the type of vehicle you drive. If your driving record shows that you’re a risky driver, due to a major offense such as a DUI, your rates are likely to be higher, whether or not an SR-22 is required.

The good news is that we can help. Keep reading to learn about the cheapest SR22 insurance near you.

Key Highlights
  • New Jersey Manufacturers has the cheapest average cost for auto insurance with an SR-22 for one DUI at $1,563 per year, followed by Palisades and USAA.
  • The states with the greatest average increase in insurance rates when drivers must carry an SR-22 are North Carolina, Hawaii, California, Michigan and Connecticut.
  • New Yorkers experience the smallest car insurance price increase with an SR-22, followed by Alaska, Iowa, Oklahoma and Missouri.

Why do I have to carry an SR-22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania require a driver to obtain an SR-22, which is a certificate of financial responsibility.

Here’s why your state may require an SR-22:

  • Failure to carry liability insurance on your vehicle
  • Conviction for driving without insurance
  • Driving uninsured and being involved in a motor vehicle accident
  • DUI, DWI or other major alcohol offense convictions
  • Serious moving violation (such as reckless driving) convictions
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation

Check out our detailed guide on What is SR-22 insurance and how much does it cost?

How do you get cheap SR-22 insurance?

The best way to get cheap car insurance with an SR-22 is to do what you would to find a low-cost standard policy – compare car insurance quotes from multiple companies.

If you are buying a new policy, be sure to ask if the company files SR-22 forms before you get a quote. Even though you’ll pay more for auto insurance attached to an SR-22, you can still save by comparing quotes whether you are a high-risk driver or one with a clean driving record.

That’s because insurers use their own unique formulas for pricing, so prices vary significantly among carriers when you’re shopping for cheap SR22 auto insurance.

Who has the cheapest insurance rates with an SR-22?

New Jersey Manufacturers has the cheapest average annual cost with auto insurance with an SR-22 for one DUI at $1,563 per year, followed by Palisades at $1,821 and USAA at $1,937, according to 2022 data.

Please note that USAA is included here because of its competitive rates, but it’s only available to members of the military, veterans and their families.

What are the best companies for the cheapest SR22 in each state?

Below are SR-22 insurance rates for a policy for a driver with one DUI broken down by the company. You can see how much you can expect to pay, on average, for car insurance coverage with an SR-22.

SR-22 costs by company
Company Avg Annual Cost without SR-22 Avg Annual Cost with SR-22 Avg Monthly Cost with SR-22 $ Diff % Diff
Allstate$ 2,513$ 3,960$ 330$ 1,44758%
American Family$ 1,738$ 2,385$ 199$ 64737%
Auto Club Enterprises$ 2,339$ 3,708$ 309$ 1,36959%
Auto Club Of Southern California$ 2,257$ 4,456$ 371$ 2,19997%
Auto-Owners$ 1,651$ 2,648$ 221$ 99760%
Automobile Club MI$ 2,435$ 4,520$ 377$ 2,08586%
Chubb Ltd$ 2,539$ 4,086$ 341$ 1,54761%
CSAA$ 3,015$ 5,906$ 492$ 2,89196%
Erie$ 1,335$ 2,097$ 175$ 76257%
Farmers$ 2,740$ 3,542$ 295$ 80229%
Geico$ 1,352$ 2,484$ 207$ 1,13284%
Hartford$ 2,458$ 6,023$ 502$ 3,565145%
Iowa Farm Bureau$ 2,821$ 3,928$ 327$ 1,10739%
Island$ 1,713$ 9,284$ 774$ 7,571442%
Kemper$ 2,604$ 3,692$ 308$ 1,08842%
Kentucky Farm Bureau$ 2,325$ 3,903$ 325$ 1,57868%
Mercury$ 2,092$ 2,790$ 233$ 69833%
Metlife$ 2,741$ 6,558$ 547$ 3,817139%
National$ 2,883$ 3,649$ 304$ 76627%
Nationwide$ 1,523$ 2,485$ 207$ 96263%
New Jersey Manufacturers$ 1,421$ 1,563$ 130$ 14210%
North Carolina Farm Bureau$ 1,265$ 3,060$ 255$ 1,795142%
Oklahoma Farm Bureau$ 2,865$ 3,691$ 308$ 82629%
Palisades$ 1,341$ 1,821$ 152$ 48036%
Progressive$ 1,933$ 2,592$ 216$ 65934%
Shelter$ 1,991$ 2,634$ 220$ 64332%
State Farm$ 1,672$ 2,508$ 209$ 83650%
The Auto Group$ 1,780$ 3,517$ 293$ 1,73798%
Travelers$ 1,882$ 2,589$ 216$ 70738%
USAA$ 1,272$ 1,937$ 161$ 66552%

What are the cheapest SR22 insurance rates in each state?

The only way to determine exactly how much your SR-22 insurance policy actually costs is to get a personalized quote.

The states with the greatest average price increase when drivers must carry an SR-22 are North Carolina with an 157% increase, Hawaii with an 145% increase, California with a 105% rate increase, Michigan at 79% and Connecticut at 70%.

On the opposite end of the spectrum, New Yorkers experience the smallest price increase at 26%, followed by Alaska residents at 32%, Iowa at 33%, Oklahoma at 34% and Missouri at 35%. Most states fall in the 40%-to-60% range.

However, the chart below shows the average yearly car insurance cost by state for filing an SR-22 with one DUI, based on a 2022 CarInsurance.com rate analysis.

Cost of average annual insurance rates with and without an SR-22
State Avg Annual Cost without SR-22 Avg Annual Cost with SR-22 Avg Monthly Cost with SR-22 $ Diff % Diff
Alaska$ 1,286$ 1,696$ 141$ 41032%
Alabama$ 1,580$ 2,548$ 212$ 96861%
Arkansas$ 1,652$ 2,613$ 218$ 96158%
Arizona$ 1,719$ 2,693$ 224$ 97457%
California$ 2,207$ 4,525$ 377$ 2,318105%
Colorado$ 2,125$ 3,266$ 272$ 1,14154%
Connecticut$ 1,529$ 2,602$ 217$ 1,07370%
Washington D.C.$ 1,909$ 2,642$ 220$ 73338%
Delaware$ 1,791$ 2,986$ 249$ 1,19567%
Florida$ 2,981$ 4,136$ 345$ 1,15539%
Georgia$ 1,710$ 2,795$ 233$ 1,08563%
Hawaii$ 1,309$ 3,213$ 268$ 1,904145%
Iowa$ 1,241$ 1,653$ 138$ 41233%
Idaho$ 1,082$ 1,624$ 135$ 54250%
Illinois$ 1,559$ 2,194$ 183$ 63541%
Indiana$ 1,363$ 2,173$ 181$ 81059%
Kansas$ 1,557$ 2,321$ 193$ 76449%
Kentucky$ 2,086$ 3,199$ 267$ 1,11353%
Louisiana$ 3,126$ 4,852$ 404$ 1,72655%
Massachusetts$ 1,776$ 2,927$ 244$ 1,15165%
Maryland$ 2,172$ 3,040$ 253$ 86840%
Maine$ 1,068$ 1,577$ 131$ 50948%
Michigan$ 3,915$ 7,007$ 584$ 3,09279%
Minnesota$ 1,768$ 2,891$ 241$ 1,12364%
Missouri$ 2,669$ 3,591$ 299$ 92235%
Mississippi$ 1,535$ 2,322$ 194$ 78751%
Montana$ 1,709$ 2,409$ 201$ 70041%
North Carolina$ 1,442$ 3,699$ 308$ 2,257157%
North Dakota$ 1,357$ 2,254$ 188$ 89766%
Nebraska$ 1,926$ 3,106$ 259$ 1,18061%
New Hampshire$ 1,023$ 1,453$ 121$ 43042%
New Jersey$ 2,232$ 3,453$ 288$ 1,22155%
New Mexico$ 1,657$ 2,308$ 192$ 65139%
Nevada$ 2,427$ 3,797$ 316$ 1,37056%
New York$ 1,822$ 2,296$ 191$ 47426%
Ohio$ 1,136$ 1,762$ 147$ 62655%
Oklahoma$ 1,968$ 2,631$ 219$ 66334%
Oregon$ 1,484$ 2,203$ 184$ 71948%
Pennsylvania$ 1,508$ 2,498$ 208$ 99066%
Rhode Island$ 1,923$ 2,898$ 242$ 97551%
South Carolina$ 1,804$ 2,437$ 203$ 63335%
South Dakota$ 1,585$ 2,396$ 200$ 81151%
Tennessee$ 1,360$ 2,163$ 180$ 80359%
Texas$ 2,036$ 3,027$ 252$ 99149%
Utah$ 1,629$ 2,481$ 207$ 85252%
Virginia$ 1,319$ 2,054$ 171$ 73556%
Vermont$ 1,195$ 1,784$ 149$ 58949%
Washington$ 1,500$ 2,304$ 192$ 80454%
Wisconsin$ 1,818$ 2,923$ 244$ 1,10561%
West Virginia$ 1,474$ 2,192$ 183$ 71849%
Wyoming$ 1,880$ 2,973$ 248$ 1,09358%

What are the best SR-22 rates for different age groups?

Your driver profile will affect your insurance rates if you have an SR-22. See below for the rates from major insurance companies at different driver age profiles.

SR-22 costs by driver age profiles
Driver Age Company Annual premium Monthly Premium
TeenNew Jersey Manufacturers$ 3,664$ 305
TeenUSAA$ 4,628$ 386
TeenNorth Carolina Farm Bureau$ 5,023$ 419
TeenPalisades$ 5,050$ 421
TeenAmerican Family$ 5,231$ 436
TeenErie Insurance$ 5,260$ 438
TeenGeico$ 5,744$ 479
TeenTravelers$ 6,050$ 504
TeenNationwide$ 6,090$ 508
TeenState Farm$ 6,133$ 511
TeenProgressive$ 6,412$ 534
TeenNational General Insurance$ 6,578$ 548
TeenShelter Insurance$ 7,185$ 599
TeenAuto-Owners$ 7,848$ 654
TeenMercury Insurance$ 8,007$ 667
TeenIowa Farm Bureau$ 8,545$ 712
TeenChubb Ltd$ 9,038$ 753
TeenKemper Insurance$ 9,198$ 766
TeenAllstate$ 9,704$ 809
TeenAuto Club Entreprises$ 11,000$ 917
TeenAutomobile Club of MI$ 11,372$ 948
TeenOklahoma Farm Bureau$ 11,558$ 963
TeenThe Hartford$ 15,004$ 1,250
TeenIsland Insurance$ 16,618$ 1,385
TeenFarmers Insurance$ 16,783$ 1,399
TeenKentucky Farm Bureau$ 16,794$ 1,399
TeenCSAA Insurance Exchange$ 17,296$ 1,441
Young AdultsNew Jersey Manufacturers$ 1,812$ 151
Young AdultsPalisades$ 2,357$ 196
Young AdultsUSAA$ 2,775$ 231
Young AdultsErie Insurance$ 2,989$ 249
Young AdultsAmerican Family$ 3,132$ 261
Young AdultsProgressive$ 3,216$ 268
Young AdultsState Farm$ 3,266$ 272
Young AdultsTravelers$ 3,411$ 284
Young AdultsNationwide$ 3,570$ 298
Young AdultsAuto-Owners$ 3,593$ 299
Young AdultsGeico$ 3,640$ 303
Young AdultsMercury Insurance$ 3,744$ 312
Young AdultsShelter Insurance$ 3,827$ 319
Young AdultsOklahoma Farm Bureau$ 4,516$ 376
Young AdultsNational General Insurance$ 4,585$ 382
Young AdultsNorth Carolina Farm Bureau$ 4,993$ 416
Young AdultsKemper Insurance$ 5,067$ 422
Young AdultsIowa Farm Bureau$ 5,071$ 423
Young AdultsAllstate$ 5,262$ 438
Young AdultsChubb Ltd$ 5,633$ 469
Young AdultsKentucky Farm Bureau$ 5,649$ 471
Young AdultsAuto Club Entreprises$ 5,750$ 479
Young AdultsAutomobile Club of MI$ 7,086$ 591
Young AdultsFarmers Insurance$ 7,658$ 638
Young AdultsCSAA Insurance Exchange$ 8,792$ 733
Young AdultsThe Hartford$ 10,980$ 915
Young AdultsIsland Insurance$ 16,618$ 1,385
AdultsNew Jersey Manufacturers$ 1,704$ 142
AdultsPalisades$ 2,301$ 192
AdultsUSAA$ 2,566$ 214
AdultsErie Insurance$ 2,753$ 229
AdultsAmerican Family$ 2,833$ 236
AdultsProgressive$ 3,028$ 252
AdultsState Farm$ 3,146$ 262
AdultsShelter Insurance$ 3,278$ 273
AdultsTravelers$ 3,287$ 274
AdultsMercury Insurance$ 3,323$ 277
AdultsNationwide$ 3,420$ 285
AdultsAuto-Owners$ 3,531$ 294
AdultsGeico$ 3,595$ 300
AdultsNational General Insurance$ 4,199$ 350
AdultsOklahoma Farm Bureau$ 4,516$ 376
AdultsKemper Insurance$ 4,690$ 391
AdultsNorth Carolina Farm Bureau$ 4,801$ 400
AdultsIowa Farm Bureau$ 4,829$ 402
AdultsAllstate$ 5,179$ 432
AdultsKentucky Farm Bureau$ 5,481$ 457
AdultsAuto Club Entreprises$ 5,487$ 457
AdultsChubb Ltd$ 5,633$ 469
AdultsAutomobile Club of MI$ 6,604$ 550
AdultsFarmers Insurance$ 7,146$ 596
AdultsCSAA Insurance Exchange$ 8,680$ 723
AdultsThe Hartford$ 9,502$ 792
AdultsIsland Insurance$ 16,618$ 1,385
SeniorsNew Jersey Manufacturers$ 1,530$ 128
SeniorsPalisades$ 2,287$ 191
SeniorsUSAA$ 2,650$ 221
SeniorsAmerican Family$ 2,897$ 241
SeniorsState Farm$ 2,921$ 243
SeniorsShelter Insurance$ 2,973$ 248
SeniorsErie Insurance$ 2,978$ 248
SeniorsProgressive$ 3,298$ 275
SeniorsNationwide$ 3,377$ 281
SeniorsTravelers$ 3,529$ 294
SeniorsAuto-Owners$ 3,759$ 313
SeniorsGeico$ 3,803$ 317
SeniorsMercury Insurance$ 3,966$ 331
SeniorsOklahoma Farm Bureau$ 3,984$ 332
SeniorsNational General Insurance$ 4,433$ 369
SeniorsIowa Farm Bureau$ 4,515$ 376
SeniorsNorth Carolina Farm Bureau$ 4,848$ 404
SeniorsAllstate$ 4,998$ 417
SeniorsKentucky Farm Bureau$ 5,106$ 425
SeniorsKemper Insurance$ 5,357$ 446
SeniorsChubb Ltd$ 5,428$ 452
SeniorsAuto Club Entreprises$ 5,751$ 479
SeniorsFarmers Insurance$ 6,749$ 562
SeniorsAutomobile Club of MI$ 7,145$ 595
SeniorsThe Hartford$ 8,254$ 688
SeniorsCSAA Insurance Exchange$ 8,652$ 721
SeniorsIsland Insurance$ 16,618$ 1,385

What are some tips to lower SR-22 insurance costs?

People who are shopping for cheap SR22 insurance can do several things to lower their insurance costs:

  • Consider a pay-per-mile plan if you don’t drive much through purchasing usage-based insurance.
  • Look for discounts by bundling your auto insurance with your renter/homeowners policy, installing safety features and getting discounts for memberships/affiliations.
  • Work to improve your credit score and driving score.
  • Increase your deductible.
  • Drive a car that costs less to insure.

Learn more about How to get SR22 auto insurance without a license?

Methodology

CarInsurance.com commissioned Quadrant Information Systems in 2022 to provide rates for a 40-year-old male with full coverage and an SR22 with one DUI insuring a Honda Accord LX.

– Penny Gusner contributed to this story.

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Casey Bond
Author

Our Carinsurance.com team is made up of regular people with insurance policy needs, just like you. We just happen to know a little more about insurance than the average bear.