Here you'll learn everything you need to know about how SR22 filings work, and how to get one in place.

What is an SR22?

An SR-22 is simply a car insurance company’s guarantee to the state that you're carrying the legally mandated coverage. This can be required if you're convicted of a driving-related charge -- usually a DUI, driving without insurance or reckless driving.

The form by itself doesn't raise your insurance rates. Rather, it's the conviction that triggered the requirement that causes your premiums to soar.

Is SR22 considered car insurance?

No. Many motorists mistakenly believe the SR22 is an insurance policy, but that’s not the case. It is simply a certificate of financial responsibility that your car insurance company files on your behalf with the state.

The form, usually filed electronically, provides the state with proof of financial responsibility by showing that you have the required insurance coverage in effect. The state-mandated coverage may be the same as your state minimum liability requirements, or they may have higher limits. The exact auto insurance requirements differ by state.

A complete guide to SR22 Insurance

Jump ahead:
How do I get a form?
How much does it cost?
Why do I need it?
How long do I need it?

How do I get an SR-22 Form?

If you need an SR-22, you can only get it from a car insurance company. The purpose of the form is to show that you've obtained and will maintain certain insurance coverage. There is no other way to get the SR-22; you can't get the form without buying a car insurance policy.

Download a generic SR-22 form

The form must be filed with the state as a certificate of financial responsibility to verify that you have the mandated insurance coverage and limits. Your insurer sends you a copy of the form to keep as proof. However, most states have it stored electronically in their records so that law enforcement or the Department of Motor Vehicles can look it up if needed.

To obtain an SR-22, you must go through an auto insurance company that offers the filing (not all do) and buy a policy with at least the minimum limits that the state notified to carry. Once you have the form filed, you’ll need to maintain the related insurance coverage for the state-mandated period. The time period varies, but most commonly, it’s for three years.

How much does SR-22 insurance cost a month?

A policy with an SR-22 filing for one DUI conviction costs about $230 a month, or $2,760 a year, on average, based on a rate analysis by CarInsurance.com's staff of experts.

There is also a fee for processing the form. A car insurance company filing the SR-22 form on your behalf may charge you a one-time filing fee of between $15 and $50 (typically, it’s $25). However, the cost of the auto insurance policy associated with the SR-22 varies, and generally will cost much more than a policy without one.

An SR-22 filing with a DUI will hike your rates by an average of 89%, according to a CarInsurance.com analysis. But it could be as much as 375% or as little as 31%, depending on your state and other factors. 

The car insurance policy associated with a SR-22 doesn’t have a set premium. It’s 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 like a DUI, your rates will be higher, whether or not an SR-22 is required.

How much is SR22 insurance?

How much does SR22 insurance cost near me?

The only way to determine exactly how much your SR-22 car insurance policy will actually cost is to get a personalized car insurance quote. It pays to shop around; one insurance company may look at a DUI very differently than another, for example. However, the chart below shows the average yearly car insurance cost by state for filing an SR-22 with one DUI, based on a CarInsurance.com rate analysis.

State Average Rate SR-22 Rate Percent Increase Dollar Increase
Alaska$1,246$1,94556%$699
Alabama$1,304$2,47089%$1,166
Arkansas$1,556$2,73276%$1,176
Arizona$1,399$3,579156%$2,180
California$1,783$5,119187%$3,336
Colorado$1,675$2,99279%$1,317
Connecticut$1,980$3,11357%$1,133
DC$1,887$2,94556%$1,058
Delaware$1,838$3,52592%$1,687
Florida$2,250$3,78068%$1,530
Georgia$1,815$3,37886%$1,563
Hawaii$1,255$4,464256%$3,209
Iowa$1,073$1,91578%$842
Idaho$1,019$1,79977%$780
Illinois$1,176$2,21789%$1,041
Indiana$1,057$1,56148%$504
Kansas$1,412$2,31064%$898
Kentucky$1,611$2,71468%$1,103
Louisiana$2,228$3,61262%$1,384
Massachusetts$1,616$3,19898%$1,582
Maryland$1,541$2,02531%$484
Maine$884$1,33151%$447
Michigan$2,368$8,324252%$5,956
Minnesota$1,339$2,61195%$1,272
Missouri$1,288$2,23774%$949
Mississippi$1,504$2,53168%$1,027
Montana$1,589$2,72672%$1,137
North Carolina$1,170$5,563375%$4,393
North Dakota$1,123$2,00378%$880
Nebraska$1,287$2,30779%$1,020
New Hampshire$1,156$2,00874%$852
New Jersey$1,419$3,851171%$2,432
New Mexico$1,498$2,73583%$1,237
Nevada$1,578$2,48958%$911
New York$1,214$1,85453%$640
Ohio$959$1,70077%$741
Oklahoma$1,469$2,19850%$729
Oregon$1,325$2,29673%$971
Pennsylvania$1,438$2,33062%$892
Rhode Island$2,011$3,62780%$1,616
South Carolina$1,353$2,37976%$1,026
South Dakota$1,250$2,24780%$997
Tennessee$1,339$2,34875%$1,009
Texas$1,644$2,70164%$1,057
Utah$1,212$2,00966%$797
Virginia$993$1,69370%$700
Vermont$1,166$1,78653%$620
Washington$1,307$2,21169%$904
Wisconsin$1,147$1,79456%$647
West Virginia$1,467$2,76789%$1,300
Wyoming$1,577$2,74774%$1,170

How much does SR22 insurance cost per month near you?

Why do I have to carry an SR-22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania may require a driver to obtain an SR-22.

Some of the reasons your state may require an SR-22 certificate of financial responsibility include, but aren’t limited to, the following:

  • 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

To find out under what circumstances your specific state requires the SR-22, contact your department of motor vehicles.

How long do I have to carry the SR-22?

In most states, you must carry the SR-22 for three years. The period varies from one to five years. In some places, the period varies by offense.

The start date for counting how long you must carry the SR-22 also varies by state. Your state’s department of motor vehicles will tell you how long you need to carry the SR-22 and from what date. The clock may start with the offense date, conviction date, suspension date or date of your driver’s license reinstatement.

Don’t cancel an SR-22 before your filing period is up or your state will penalize you. If car insurance associated with an SR-22 is removed or canceled, the insurer must file an SR-26 that informs the state of the cancellation. The state can then take actions against you that typically include the loss of your driver’s license and/or vehicle registration.

The best SR-22 insurance companies

Not all insurance companies file SR-22s. But the good news is that many major carriers are SR-22 insurance companies, meaning they will provide you with a policy and file the form with the state or legal entity on your behalf. This isn’t a complete list, but will give you a spring board if you are researching SR-22 insurance companies.

  • Dairyland
  • Safe Auto
  • Infinity
  • Direct
  • Progressive
  • Geico
  • The General
  • Allstate
  • State Farm
  • Nationwide
Below are SR-22 insurance quotes for a policy for a driver with a DUI broken down by company. You can see how much you can expect to pay, on average, for coverage with SR-22 requirements, for these major carriers.
Company Annual cost Monthly Cost
Farmers$1,369$114
Progressive$1,412$118
Geico$1,552$129
State Farm$1,728$144
Nationwide$2,146$179
Allstate$2,559$213

*Average Rate of SR22 policy with DUI

Average Cost of Policy with SR22 per Month

Getting cheap SR22 insurance quotes

The best way to get cheap SR-22 insurance quotes 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 spend time getting a quote. Even though you’ll pay more for coverage attached to an SR-22, you can still save by comparison shopping.

Who has the cheapest SR-22 insurance?

Farmers have the cheapest sr22 rates with an average cost of $114 per month, and Progressive places second with $118 a month.

Based on a rate analysis by CarInsurance.com’s experts, the cheapest companies, Farmers, and Progressive are about $1,200 less than the most expensive carrier.

Get Cheap SR-22 Quotes

SR22 FAQS

Geico SR-22 versus Progressive SR-22

These two major carriers are close in price, with Progressive costing $120 less a year, based on our experts’ data analysis. Since the cost difference is relatively insignificant, if you already have a policy with one of these companies, it may be easier to stick with your existing coverage, and have the company file the SR-22 for you.

What is the difference between an SR-22 and a FR-44?

The FR-44 also provides proof of financial responsibility, but mandates that you carry higher liability limits. The FR-44 is used only in Florida and Virginia and is required instead of the SR-22 when you've been convicted of certain alcohol-related offenses. The FR-44 must be held for three years in these states, the same period such states require the SR-22 to be carried.

In Florida, FR-44 has bodily injury liability limits of $100,000 per person, $300,000 per accident and property damage liability limits of $50,000. This is written as 100/300/50. The Florida SR-22 has liability limits of only 10/20/10.

In Virginia, the FR-44 liability insurance limits are 50/100/40, which are double the limits required for a SR-22 filing (25/50/20).

Do I have to tell my insurer?

Yes, you must tell your current insurance company about the need for the form so that it can file it for you. Even if you already have coverage that meets or exceeds state-mandated coverage, the state can still require you to file an SR22. This allows the state to make certain you will maintain your car insurance coverage for the specified time period.

You can’t skip telling your insurance company about the need for an SR22, keep your current insurance coverage in place and then buy a separate one for an SR22. That type of duplicate car insurance coverage isn’t allowed. If your present insurer doesn't file SR-22s, you need to cancel your current policy and purchase a car insurance policy with an insurance company that will file the form for you.

How much insurance do I have to buy if I need an SR-22 form?

You need to purchase insurance coverage that the state mandates. This requirement varies by state. It may be your state’s minimum liability coverage or higher liability coverage (especially if you need an FR-44 instead of an SR-22).

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 don't depend on whether you are getting an SR-22.

Your driving record is a rating factor in auto insurance cost. The reason that you're required to acquire and maintain the SR-22, such as reinstating your license after a DUI suspension, may affect your rates; however, the SR-22 form itself doesn't beyond the filing fee. If your license was suspended due to a DUI or too many points, it will increase your liability insurance rates.

I’ve moved out of state. Do I still have to carry the SR-22?

If you carry an SR-22 in one state but move to another state, you must fulfill the SR-22 requirement for your former state, even though you no longer reside there. To do this, you usually need an insurance carrier authorized to do business and file SR-22s in both states.

Your car insurance policy in your new state must have coverage and limits that at least meet the SR-22 minimums required by your former state. If the new state’s requirements are higher, you will need those even higher limits on your policy.

If you're moving to a state that doesn't require SR-22s, you will need to discuss with the state requiring the SR-22 what you will need to do to comply with its SR-22 mandate.

What if I don’t have a car? What is a Non-Owner SR-22?

If you don’t own a car, you can still be required to carry an SR-22. In that case, you'll need to get non-owner SR-22 insurance to fulfill your SR-22 filing requirement.

With a normal SR-22 policy, you own and insure a vehicle, but with a non-owner’s policy you don’t own a vehicle to insure directly or have access to a car that you can insure.

If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage.

If none of these situations apply, you can get a non-owner policy that complies with your SR-22 filing requirement.

Non-owner insurance is specifically for those who do not own their own vehicle and in this case, for those who also need to file an SR-22.

Can I get an SR22 today?

The process to file an SR22 can take up to 30 days. If you need one, be sure to start the process at least 30 days in advance of your need date. Some insurance companies can provide them in as little as one day, but you shouldn’t bank on that.

How do I check the status of my SR-22?

Most of the time, the best option is to call the insurance company that filed the SR-22 on your behalf. In some states, however, you may be directed to call the Department of Motor Vehicles to inquire about the status of your SR-22.

How do I avoid an SR-22?

The best way to avoid being required to file an SR22 is to keep a clean driving record. In some states, after you get a certain number of driving violation points on your record, you will be required to file an SR-22. One of the most common causes of the SR-22 requirement is drinking and driving. Keep your car insurance up-to-date as some states will require an SR22 if you are pulled over and do not have valid insurance.

What does SR22 stand for?

SR-22, SR22, and sr22 all refer to the same thing, a safety responsibility (SR) form verifying that you have and maintain proper auto insurance coverage.

The final verdict: The best SR22 insurance online

It is best to practice safe and responsible driving and avoid the need for this insurance form. But if you do end up in that situation, compare insurance quotes to see where you can get your best deal. In situations where this form is mandated, we found some of the best rates available online at Progressive and Farmers.