SR-22 Insurance Cost Calculator

An SR-22 is a Certificate of Financial Responsibility filed by your insurer with your state DMV proving you carry the legally required minimum liability coverage. It is NOT a type of insurance - it is a filing. SR-22 is typically required after DUI/DWI, driving without insurance, multiple at-fault accidents, or reinstating a suspended license. Florida and Virginia use a stricter FR-44 requiring double the minimum liability.

Most states require SR-22 filings for 3 years, but the duration ranges from 1 year (some moving-violation cases) to 5 years (severe DUI repeat offenses). The clock starts at filing date, not incident date. Letting the SR-22 lapse - even one day - triggers your insurer to notify the DMV and can re-suspend your license.

The SR-22 filing fee itself is $15-$50 one-time. The real cost is the insurance premium surcharge: typically 1.4x-3.0x your prior rate, depending on the triggering violation. DUI cases often double premiums or more. Each violation-free year reduces the surcharge by roughly 10-20%. The Insurance Information Institute notes high-risk drivers should shop aggressively - quotes can vary by 200-300% between carriers.

Yes - get a "non-owner SR-22" policy if your license requires the filing but you don't own a vehicle. Non-owner policies provide liability when you drive someone else's car or rent. They're typically 30-50% cheaper than owner SR-22 policies because no comprehensive or collision is included.