How to get cheap SR-22 insurance

Save on SR-22 insurance to prove you're insured

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An SR-22 is a form your insurance company fills out with the DMV stating you have the required car insurance. But based on your driving history, you may find yourself paying higher insurance premiums, especially if you’re a high risk driver. Find out how to save on SR-22 insurance and get back on the road on the cheap.

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How much does SR-22 insurance cost?

Filing an SR-22 isn’t expensive. An SR-22 typically costs from $25 to 55 for the certificate, which your insurer will help you fill out.

But expect your insurance rates to go up by 50% or more, depending on why you need an SR-22. For example, getting a DUI could raise your insurance rates by $1,250 for three to five years, not to mention court fees and other costs.

How to save on SR-22 insurance

Even with a DUI or SR-22 on your record, you can still save money on SR-22 insurance.

  • Look for discounts. Take advantage of as many discounts as you can find, like getting good grades, paying up front, not making claims and more.
  • Nominate drivers. You might get a better rate by listing a low-risk driver on your policy and nominating yourself, if you both share a car.
  • Choose the highest deductible you can afford. Pick a deductible that you could cover in an emergency. Raising your deductible from $250 to $500 might only save you $5 a month, and it could put a strain on your savings if you do have to make a claim.
  • Remove extra coverage. You could save $500 or more by dropping collision and comprehensive on an older car you don’t drive much. Consider dropping your liability limits if they’re too high for an older car.
  • Don’t pay for features you won’t use. For example you won’t need towing coverage if you already have an AAA membership or a new car warranty.
  • Shop around. Get a few quotes from SR-22-friendly companies to find the best rate for you.
  • Affordable coverage
  • Instant online access
  • SR-22 support

Our top pick: The General

Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states

Get cheap SR-22 insurance

Name Product SR-22 Nonowner policy Payment schedule States served
The General
Yes
Yes
12 months, monthly
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.
SafeAuto
Yes
Yes
12 months, 6 months, monthly (fee applies)
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
High-risk drivers can find no-frills policy at a decent price with multiple payment options.
Direct
Yes
Yes
monthly, custom
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Your agent can help you get the right amount of coverage and best discounts.
Dairyland
Yes
Yes
custom
AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Flexible payment options and local agents make it easy for high-risk drivers to get covered.
Serenity
Yes
Yes
12 months, 6 months
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies

Compare up to 4 providers

How does an SR-22 affect my insurance rates?

Based on your driving history, you may find yourself paying higher insurance premiums. Consider these factors that affect your car insurance rates for SR-22 insurance.

  • Severity of incident. DUI conviction and accident will cost more than traffic violation like speeding tickets.
  • Number of incidents. Several incidents in the span of three years will cost more in insurance than one.
  • Age. The youngest drivers will find the worst insurance costs with a driving under the influence charge.
  • Time. Car insurance providers typically look at your driving record from the past three to five years, but a DUI could stay on your record for up to ten years.
  • Provider. Some companies penalize you more for problems with your driving record than others.

How long will I have higher rates after an SR-22?

How long you’ll need an SR-22 will vary by state and situation. Most states require an SR-22 for three years. During those three years, you’re required to pay for and file a new SR-22 each time you renew your policy.

If in those three years you commit any dangerous driving offenses, you could be required to extend the length of time you need an SR-22. If you’ve remained free of accidents, you can forfeit the certificate and get back to purchasing regular, low-risk insurance coverage.

Bottom line

An SR-22 isn’t the end of the world, but it is the end of cheap car insurance rates. You can still save even if you need an Sr-22, and the best way to do that is by comparing rates from different car insurance companies.

Frequently asked questions about cheap SR-22 insurance

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