How much does SR-22 insurance cost? | finder.com
SR-22 insurance

How much does SR-22 insurance cost?

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If you’re in need of SR-22 insurance, you could be in a rush to get back on the road. Don’t worry: Filing for an SR-22 isn’t as complicated as it sounds.

Learn how much you might pay for an SR-22, how to start the filing process and how long you might have to carry it.

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Breaking down the actual cost of getting SR-22 insurance

Filing for an SR-22 comes with two costs: filing fees and higher insurance premiums.

Most insurance providers can charge between $15 to $35 fee for filing and renewing your SR-22.

But more expensive than the filing fee is the higher premiums you’ll pay. Not all providers will agree to insure a high-risk driver. If they do, your premiums will likely increase as a result.

The cost of remaining insured as a high-risk driver varies depending on such factors as your age, your previous driving record and your provider. If you discover that your current provider will no longer cover you or that your premiums have skyrocketed, shop around for a new provider that’s willing to take you on at the best possible rate.

Not everyone that files for an SR-22 reports higher insurance premiums. The only way for you to know exactly how much you’ll pay overall is to get an insurance quote from a provider.

Will my rates go down after I no longer need an SR-22?

Most likely. But remember: It’s not the SR-22 that affects your premiums, it’s the conviction on your driving record.

Your driving record — along with your age, state of residence and other factors — are what ultimately determine your rate. Most insurance policies renew annually or every six months. Each time your policy is renewed with no new incidents to report, you could see decreased premiums.

Many insurance providers gradually lower your rates after three years following a conviction. To increase your chances of receiving lowered premiums from your provider, renew on time and practice safe driving on the road. The longer you stay free of incidents, the more likely you’ll see lower premiums with your renewals.


Find out how to get an SR-22 with…


How do I get an SR-22?

You must hold an active insurance policy before you can file for an SR-22. If you already carry a policy, contact your local insurance agent to ask that they file an SR-22 for you. If you don’t already have insurance, many providers offer free online quotes that include an SR-22.

Have the following information ready for your agent:

  • Your date of birth and Social Security number.
  • Your existing policy number, if you have one.
  • Your state of residence and driver’s license number.
  • The date your license was suspended.
  • The date you anticipate your SR-22 will no longer be required.
  • Any applicable information about your conviction.

Your provider will file an SR-22 on your behalf and notify you of any associated filing fees for handling the documents.

How long does it take to process an SR-22?

It can take up to two weeks for your local department of motor vehicles to fully process your SR-22 documents. If your driving privileges are revoked until you’ve an SR-22 in place, follow up on the status of your insurance with either your provider or your local DMV before you get back behind the wheel.


How long will I be required to file SR-22 documents?

How long you’ll need to file for an SR-22 depends largely on where you live and the severity of your violation. However, most states require that you carry SR-22 insurance from three to five years. During this time, you will be considered a “high risk” driver so your premiums will be higher than normal.

You must maintain your insurance policy while you carry SR-22 insurance with no lapse and safe driving practices. If you miss a renewal, you could lose your SR-22 documents, pay steep fines and even find your license revoked.

Get back on the road quickly

Enter your ZIP code below and click Compare now
to see the best SR-22 rates in your area.


Your information is secure.

Common questions about SR-22 insurance

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