SR-22 insurance cost estimator
Estimate how much an SR-22 requirement will increase your auto insurance premiums and total cost over the requirement period.
SR-22 insurance cost estimator
Estimate how much more you will pay for insurance with an SR-22 requirement.
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
SR-22 is not insurance — it is a certificate
People frequently confuse an SR-22 with a type of insurance. It is not. An SR-22 is a form your insurance company files with your state DMV certifying that you carry at minimum the state-required liability coverage. What actually increases your costs is the high-risk premium surcharge that comes with having a serious driving violation on your record. The SR-22 filing fee itself is typically just $15-$50.
How much rates increase
A DUI conviction typically increases auto insurance premiums by 60-100% or more. Reckless driving adds 40-80%. Driving without insurance adds 25-50%. These surcharges remain for 3-5 years on your record. Over a 3-year SR-22 period, the total extra premium cost from a DUI conviction can easily reach $3,000-$8,000 depending on your location and insurer.
Shopping around matters more than ever
High-risk drivers see the largest variation in rates between insurers. Some companies specialize in non-standard auto insurance and have more competitive pricing for drivers with violations. Progressive, for instance, is well known for offering competitive rates to drivers with imperfect records. Getting quotes from 4-5 insurers, including non-standard specialists, is worth doing when you have an SR-22 requirement.