Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Jul 8, 2020

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Overview:

  • An SR-22 is a form filed by an insurance company to confirm your coverage
  • You may need an SR-22 after a DUI, driving without insurance, or other violation
  • SR-22 insurance is more expensive because you are categorized as a high-risk driver
  • You can shop around for insurance, even with a bad record, to find cheaper SR-22 rates

If you’re a high-risk driver, odds are your auto insurance rate will increase sharply after you’re required to file an SR-22 insurance form. Find out how to save money in the face of an SR-22. If you’ve asked yourself “Where is cheap SR-22 insurance near me?” or any other question about this insurance, you’re in the right place. We’ll cover how to find cheap auto insurance rates and more.

Before we begin, let’s take a look at some basic facts regarding the SR-22. Remember, you can use our helpful tool at the top to put in your ZIP code and see cheap SR-22 rates for yourself.

What is SR-22 insurance coverage?

SR-22 insurance is a document that demonstrates proof that you are financially responsible. You’ll need this form if you’re caught driving while uninsured, and you’ll typically have to keep the SR-22 auto insurance for three years. After three years, your status will expire. This filing may also be required if:

  • You need car insurance after a DUI or DWI
  • You cause an accident while uninsured
  • You’ve collected several tickets in a short time
  • Your license is suspended or revoked

Not only does the SR-22 indicate that you’re financially responsible, but it also comes with a higher rate than average insurance. What is the difference between SR-22 and regular insurance? The video below explains the basics of an SR-22. https://youtu.be/n0QESUOrxZY Let’s now look into how much SR-22 insurance costs.

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How much does SR-22 insurance cost?

The most important thing, should you find yourself in one of the aforementioned situations, is getting your license back. The SR-22 is a step in the right direction in the eyes of the law. With that being said, it won’t be cheap, at least for a while. That’s because you are seen as a high-risk driver. How much is SR-22 insurance per month? Let’s take a look at this next chart to see insurance rate comparisons between premiums before SR-22 filing and after SR-22 filing for five states.

Car Insurance vs. SR-22 Insurance Legend: Clean Record SR-22 Insurance California Florida Illinois New York Texas 25 50 75 100 125 150 175 200 225 $64 $164 $126 $225 $34 $49 $93 $153 $105 $145

  As you can see, there is a drastic premium hike after filing SR-22 insurance. Some states have a smaller increase, such as Illinois where there is a 44 percent increase. This minor price hike is revealed to be something of an anomaly, though, in comparison to the remainder. In fact, rates can sometimes double, or even more than double. In California, the increase is 156 percent.

Keep in mind, though, that the price increase is temporary.

Usually, this period is three years, and the three-year price increase is far superior to the ramifications of further driving without insurance. Before we continue, it’s important to note that the SR-22 itself costs money. Fortunately, it’s a one-time fee and only ranges from $17 to $45.

Differences Between SR-22 & FR-44 Insurance

The FR-44 is comparable to the SR-22 with a few differences. For one, it’s relegated to Virginia (you may not need SR-22 insurance in VA, but an FR-44) and Florida, which sends letters using FR-sanction numbers. Second, it has an additional requirement that the SR-22 lacks. Namely, the FR-44 requires additional liability coverage in the form of a $100,000 minimum. This is because the FR-44 is related to DUIs, and the insurance companies see FR-44 holders as a greater risk.

Finding Out Which Type of Coverage You Need

If you find yourself with a suspended license, you’ll find yourself in court. Once in court, you’ll find out whether you’ll need to file an SR-22. You can then find the correct SR-22 form pdf online in many cases. From there, you’ll be in correspondence with your insurance company to ensure this is completed. While the insurance company will handle the paperwork side of things, you need to inform them. Failure to do so will further complicate your situation.

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Who needs SR-22 or DUI insurance?

The following table compares the rates of those with a clean record to those with a speeding ticket, an accident, and a DUI, which is the most common reason why one would need an SR-22.

Average Annual Auto Insurance Rates by Driving Record
CompaniesClean RecordWith One AccidentWith One DUIWith One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Geico$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Average$3,123.62$4,100.27$4,919.62$3,669.10
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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As you can see, when averaged out, having a DUI on your record is far more expensive than the remainder of the three categories. In fact, save for Progressive, every company charges more for having a DUI on one’s record than having an accident or a speeding violation. That’s not surprising given the IIHS statistics on DUI fatalities.

What is an SR-22 bond?

This is purchased for a set amount of money that will then be used should an accident occur. The amount is set by the state, and if that figure is paid, you may drive again.

If an accident occurs, the bond pays up to its limit, at which point you must repay the state for the remainder.

The bond is connected to the driver, not the vehicle, so the driver can purchase any vehicle they would like. The caveat is, should the driver be responsible for the accident, they have to repay the expense as well as interest. It is of the utmost importance to carry a copy of this bond. This is due to the fact that, should you find yourself pulled over by law enforcement, you’ll most likely have your license and registration suspended if you don’t.

How long do I have to pay for the SR-22 insurance?

Continuous coverage must be maintained for three years, on average. The actual amount of time can vary from two to five years, depending on which state you live in.

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How do I get my license back after procuring SR-22 insurance?

You need to pay on time throughout your time holding the SR-22. If you do so, after the state-mandated period, you’ll receive your driver’s license privileges reinstated.

What are the penalties if I drive without SR-22 insurance?

Starting off, even if you’re currently paying for SR-22 insurance coverage and you lapse on the payments, you’ll most likely have your driver’s license suspended. This is because the insurance company, who you worked in tandem with to initiate the SR-22 coverage, will be required by law to notify the police that you’re driving without coverage. Furthermore, you’ll be required to carry your SR-22 insurance longer, and your rates will be raised substantially.

Compare Cheap SR-22 Insurance Quotes Online

A DUI or DWI will cause anyone’s insurance premiums to rise. Comparing SR-22 insurance quotes and shopping around for cheaper rates will be especially important following the filing of this form. No matter what the offense was that got you in your current position, odds are your insurance company will deem you a higher risk and therefore more expensive to cover. The dollar amount by which your coverage rates rise because of this filing (or any other legally required proof of financial responsibility) will vary based on your insurance provider, which provides your coverage and their determination of risk. Certain rate-lowering discounts, such as a safe driver discount, may be revoked from your auto insurance policy. Typically, this form becomes a legal requirement if a motorist gets convicted for causing an accident ticketed for a traffic offense but was incapable of showing some sort of proof of insurance or other financial responsibility. The following chart shows the financial difference for five states between those individuals who have many driving citations and those who have no citations.

Car Insurance and Driving Violations Legend: Many Driving Citations No Citations California Florida Illinois New York Texas 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 $170 $64 $320 $126 $75 $34 $381 $93 $239 $105

  Cheap SR-22 insurance does not usually make any inherent changes to the way that your policy protects your automobile. It has more to do with the fact that recent events on your driving record have made proof of financial responsibility mandatory for you to remain a legally licensed driver. However, various states treat an SR-22 a little differently. Some areas require an active change to your auto insurance policy after a DUI or DWI. You may also need an ignition interlock. Florida, for example, will require you to add bodily injury liability to your policy after filing this form. This is in addition to the state-mandated property damage coverage and personal injury protection (PIP) coverage, of course. The following chart shows the average increases to the cost of your coverage for five states.

Extra Coverage for Driving Violations Legend: Regular Coverage Stated-Mandated Additional Coverage California Florida Illinois New York Texas 25 50 75 100 125 150 175 200 225 250 275 $64 $172 $126 $216 $34 $88 $93 $285 $105 $155

  When your insurance company gets the form, they must inform the state that you are in fact properly insured (and therefore legally okay to drive). While your SR-22 is active, your insurance company is also legally required to inform the state if either you or your provider cancel the policy for any reason. In the event of an unexpected cancellation, penalties will usually be levied against the driver, such as a suspension of your driver’s license. Compare bad driver insurance rates now.

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Stop Overpaying for Your Non-Owner SR-22 Insurance

Non-owner SR-22 insurance may be extremely costly depending on your unique situation. Shopping around for a new quote could potentially save you money. Since state laws vary, you’ll want to search locally for your insurance coverage. Even if you’re happy with your current insurance for SR-22, it can’t hurt to look for a better deal. Hopefully, now you have the information you require to go about getting an SR-22. No one wants to be in this situation, but you’ll be taking your first step by putting in your ZIP code in our easy tool to compare SR-22 rates now.

Frequently Asked Questions: Cheap SR-22 Insurance

If you still have some questions, check out our FAQ here.

#1 – Can I get an SR-22 even if I don’t own a vehicle?

You will require a special variation titled a non-owner SR-22.

#2 – Can I get an SR-22 without having car insurance?

No. An SR-22 is a form that proves you have car insurance, so you can’t get one without the policy.

#3 – What is non-owner SR-22 insurance?

Non-owner SR-22 insurance is for those who need to keep coverage despite not actually owning a vehicle. An example would be if you need to drive, say, to work and you need to borrow your roommate’s car. The non-owner SR-22, like the regular SR-22, covers only the expenses for the other party involved in an accident. Your expenses, in this instance the damage to your roommate’s car, would have to be paid by you out of pocket.

The amount of minimum coverage required for the non-owner SR-22 varies state by state, but you should exceed this minimum level if possible.

This is because the damage to your roommate’s vehicle will probably exceed the coverage amount stated in the policy. If your coverage level does not take care of the amount, the damage will fall on you when you pay out of pocket.

#4 –What does SR-22 insurance cover?

SR-22 is a form, not a policy. That means it covers whatever you select on the actual policy. Whether you get SR-22 insurance from Geico, or Progressive, the form is the same. An SR-22 in Texas or an SR-22 in California, or any other state, will have to meet the local legal requirements.