How to get cheap SR-22 insurance

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

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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 based on your driving history, you may find yourself paying higher insurance premiums. Find out how to save and get back on the road cheaply.

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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 right deductible. 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.
  • Shop around. Get a few quotes from SR-22-friendly companies to find the best rate for you.

How does an SR-22 affect my insurance rates?

Based on your driving history, you may find yourself paying higher insurance premiums. For example, getting a DUI and subsequent SR-22 could raise your insurance rates by $1,250 for several years, not to mention court fees and other costs. Expect to pay up to 50% more in 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.

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Get cheap SR-22 insurance

Name Product SR-22 Nonowner policy Payment schedule States served
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
The General offers affordable coverage for nearly any driver who needs car insurance.
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
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Yes
Yes
monthly, custom
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
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
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
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

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