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How to get cheap SR-22 insurance

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

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

An SR-22 is a form your insurance company fills out with the DMV, also referred to as a certificate of financial responsibility, that proves to your state that you have the required amount of car insurance. It’s usually required for drivers who are considered high risk after being caught driving without insurance or after getting a DUI, which may increase your insurance rates. Find out how to save on SR-22 insurance and get back on the road on the cheap.

Get cheap SR-22 insurance

50% of all car insurance companies won’t accept drivers who need an SR-22, according to Finder research of over 165 car insurance companies. The good news is almost every one of the big national brands do offer SR-22 insurance. Compare all your options to find the best deal and get your policy started today.

Name Product Roadside assistance Accident forgiveness States served
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National Auto
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How much does SR-22 insurance cost?

Filing an SR-22 isn’t expensive. Your insurance company typically charges $25 to $55 to file the certificate. Your insurer can help you fill out the form or fill it out and send it for you.

But expect your insurance rates to go up by 50% or more depending on why you need an SR-22, according to Finder research. For example, getting a DUI could raise your insurance rates by $1,250 for three to five years, plus court fees and other costs.

Cheap SR-22 car insurance quotes

CompanyCheapest monthly rate
Geico$50
USAA$52
Progressive$67
Mercury$71
21st Century$81
Nationwide$83
Allstate$87
Liberty Mutual$89
State Farm$91

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 possible like getting good grades or paying up front.
  • Choose the highest deductible you can afford. Pick a deductible that you could pay in an emergency. But raising it from $250 to $500 might only save a few dollars a month, so balance savings with your budget.
  • Remove extra coverage. You may save over $500 by dropping collision and comprehensive, according to the National Association of Insurance Commissioners. Consider dropping these on an older car you don’t drive much.
  • Pay only for features you use. Your auto club membership or new car warranty may include towing coverage.
  • Shop around. Get several quotes from SR-22-friendly companies to find the best rate for you.

Why can’t I get cheap rates with an SR-22?

You may find yourself paying higher premiums on your car insurance policy because of your driving history. Consider these factors that affect your SR-22 insurance rates.

  • Type of incident. DUI convictions and accidents cost more than traffic violations like speeding tickets.
  • Number of incidents. Each conviction raises your rates, especially for several violations in three years.
  • Age. Drivers under age 25 with a DUI charge will find the highest insurance costs.
  • Time since the event. Car insurers typically look at your three- to five-year driving record. But your state may record serious violations for longer in some cases, like failing to appear in court for a DUI.
  • Company. Some companies charge high rates or deny coverage, while others are lenient.

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

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

If you commit dangerous driving offenses in those three years, you could extend how long you need an SR-22. If you stay free of accidents, you can forfeit the certificate and get back to low-risk insurance coverage.

Can I get SR-22 nonowner car insurance?

Yes, nonowner coverage is a great way to meet your SR-22 requirement if you don’t have a car or don’t drive much. But stay honest about your true address or who owns the car to avoid denied claims for lying to your insurer.

Bottom line

An SR-22 isn’t the end of the world, but the high-risk driving history behind it may be the end of cheap car insurance rates for now. 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.

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