Rachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Odds are your rate will increase sharply after filing an SR-22 insurance form. Find out how to save money in the face of an SR-22.

What is SR22 Auto Insurance?

An SR-22 is a document that demonstrates proof that you are financially responsible. You’ll require this form if you’re caught driving while uninsured, and you’ll have to keep the SR22 auto insurance for three years (typically). After three years, your status will expire. This filing may also be required if:

  • You’re convicted of a DUI or DWI
  • You cause an accident while uninsured
  • Collecting several tickets in a short time
  • If your license is suspended or revoked

Compare Cheap SR-22 Insurance Quotes Online

A DUI/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.

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


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 currently 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.

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 SR22 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 in order 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 DUI/DWI. Florida, for example, will legally require you to add bodily injury liability to your policy after filing this form. This is in addition to the state-mandated PD coverage and PIP coverage, of course.

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.

Stop Overpaying For Your Non Owner SR22 Insurance

Non owner SR22 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 SR22, it can’t hurt to look for a better deal.