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SR-22 Insurance: What It Is and What It Costs

SR-22 is not a type of insurance—it is a certificate your insurer files with the state proving you carry the required minimum coverage, typically required after a DUI, serious violation, or license suspension. Most drivers need SR-22 for 3 years, and while the filing itself costs $15–$50, the underlying non-standard policy is where the real expense appears.

Updated April 2026

What Is SR-22 Insurance Insurance?

How Much Does SR-22 Insurance Insurance Cost?

  • Type of violation that triggered the SR-22 requirement—DUI violations result in higher premiums than license suspensions for points
  • Your state's minimum liability requirements—higher minimums mean higher premiums, and FR-44 states require significantly higher limits than SR-22 states
  • How long you have been without insurance—a lapse in coverage before SR-22 filing signals higher risk to insurers
  • Your driving record beyond the SR-22 trigger—additional violations or accidents compound the non-standard rate
  • Credit score where permitted—many non-standard carriers weigh credit more heavily than standard carriers
  • Whether the SR-22 filing is continuous or lapses—a lapse restarts your required filing period and may increase rates further

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Who Needs SR-22 Insurance Insurance?

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