How Much Does SR22 Insurance Cost a Month

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 21, 2021

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What You Should Know

  • SR22 coverage can last from three to four years, depending on your state’s policy
  • When moving states, you should follow the SR22 rules of the state where it was filed
  • Your insurance premiums can increase by up to 25% or more with an SR22

No matter how careful we try to be, accidents and mishaps happen. If your driving record becomes tarnished and you find yourself in need of SR22 insurance, your first question is probably how much does SR22 cost a month?

Despite its misleading name, SR22 isn’t actually insurance. It’s a form that your insurer files to certify you have the required insurance coverage. The fee is only $15 to $25, depending on your state, but the real cost comes from the increase in your car insurance rates, which can be 25 percent or more.1

Read on for a deep dive into SR22 insurance and its hidden costs.

What Is SR22 Insurance?

So what is an SR22 anyways, and how long does SR22 last? An SR22 form is a Certificate of Financial Responsibility provided by the Department of Motor Vehicles (DMV) in your state to confirm you have obtained car insurance that meets your state’s SR22 requirements.2 Your car insurance will file the SR22 form with the DMV on your behalf once you’ve purchased your auto insurance.

If your state deems you to be a high-risk driver, you will be required to purchase car insurance that meets a certain minimum threshold of coverage. This means that you will have to pay more for your car insurance because of the higher coverage necessary to insure high-risk drivers.1

There are multiple types of infractions that can necessitate that you purchase SR22 insurance. Your state may consider you to be a high-risk driver and require SR22 insurance for violations such as:

  • Repeated traffic offenses
  • Driving under the influence (DUI)
  • Driving while intoxicated (DWI)
  • Serious moving violations
  • License suspension
  • License revocation
  • Failure to maintain required insurance coverage2 
  • Hardship license
  • Failure to pay court-ordered child support
  • Multiple at-fault violations3

If a traffic court decides that you must get SR22 insurance, the DMV will reach out by mail.2 Depending on your state, you will generally have to file SR22 for a minimum of three years. If your driving record remains clean during this time, you will no longer be required to continue with SR22 insurance, but if you incur another violation, the state can extend your SR22 period.

To add to the confusion, regulations regarding SR22 vary by state. While most states have similar requirements and minimum periods, not all states use SR22 forms. The states that don’t require SR22 are:

  • Delaware
  • Kentucky
  • Maryland
  • Minnesota
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • West Virginia 

Other states have atypical SR22 obligations. Massachusetts only requires SR22 from drivers convicted in another state. Florida and Virginia use a similar FR44 form, rather than SR22.1 The primary difference between the SR22 and FR44 is that the FR44 will require twice the state’s liability minimums.3

Moving States with SR22 

The inconsistency of SR22 requirements between states makes moving a headache. Generally, you should follow the SR22 rules of the original state you moved from.

When you get a driver’s license in a new state, the DMV can review your previous violations in a national database. That means that you can’t forget about your SR22 even if you move to the other side of the country.

In some states, you only need to file an affidavit affirming that you will maintain your SR22 in your original state. Other states might require that you:

  • Pay fees
  • Meet new requirements
  • File a new SR22

States that don’t require SR22 still expect you to keep your SR22 in your previous state. The penalties for failure to maintain S2RR are harsh, so regardless of where you move, contact the DMV in both states to confirm you’ve fulfilled all requirements.1 

Types of SR22 Insurance 

There are multiple SR22 insurance types that differ based on vehicle ownership. Generally, states offer three types of SR22 insurance:

  • Owner’s Certificate The owner’s certificate is pretty straightforward. It will only cover cars that you own.


  • Operator’s Certificate The operator’s certificate is also known as a non-owner SR22 certificate. If you don’t own a car, you will be required to purchase this type of SR22 insurance. It will cover you when you rent or borrow a car.


  • Owner-Operator Certificate – The owner-operator certificate covers any vehicle that you drive, regardless of if you’re the vehicle owner. This option is the best choice if you drive rented or borrowed cars often.1 

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The Hidden Costs of SR22 Insurance

Calculating all of the costs of SR22 insurance can be frustrating because they differ by state and by insurance company. In general, SR22 insurance has two primary costs:

  • Filing Fee As noted above, the only technical cost of an SR22 form is the one-time $15 to $25 SR22 filing fee. Since your car insurance files the form on your behalf, this fee will be added to your insurance bill.
  • Higher Insurance Rates – The hidden cost from SR22 insurance comes from premium increases of 25 percent or more. On average, drivers with an unblemished history pay a premium of $717, while drivers with SR22 pay $775. You may also have to pay for your policy in full in advance because insurance companies want to prevent issues like non-payment from high-risk drivers. 

The hidden costs of SR22 insurance are by no means standard. An analysis by WalletHub on major insurers found that some companies offered SR22 premiums that were only $20 more than regular premiums while others cost $80 more.1

The increase will also depend on factors such as:

  • Zip code
  • Vehicle
  • Driving Record
  • Insurance history3

That’s why it’s essential to shop around for SR22 insurance policies. Online tools like 4AutoInsuranceQuote offer auto insurance comparison calculators that provide a free quote so that you can find the best policy for your needs and budget. 

In some cases, multiple car insurance companies might deny you coverage. If you’ve tried and failed to find SR22 insurance independently, some states have programs to pair high-risk drivers with insurance companies. This route is usually the most expensive, so be wary of using it unless it is absolutely necessary.1

More Ways to Save on SR22 Insurance

In addition to free online services, there are several more ways to maximize your savings if you’re required to purchase SR22 insurance, including:

  • Don’t Over-Insure Your state’s SR22 regulations will require a minimum level of insurance. You need to meet that threshold, but you don’t have to exceed it. Compare the monthly cost of any insurance above the minimum with the financial risks associated with an accident.
  • Examine Your Options Make sure you purchase the right kind of SR22 insurance for your situation. The operator’s certificate will often be the cheapest option.
  • Check Back Annually Every year, compare insurance rates to make sure you have the best deal available. As your SR22 period continues, your insurance rates might decrease if you’ve maintained a clean driving record.

How to Get SR22 Insurance

Luckily, the process itself of obtaining SR22 insurance is fairly easy. There are four main steps to follow:

  1. Compare Prices – Take advantage of online price comparison tools to get free quotes before you commit to a particular car insurance company.
  1. Pick your Certificate – Choose which of the three SR22 certificates (owner’s, operator’s, or owner-operator) fits your situation best. 
  1. Initiate the SR 22 Filing Process – Once you’ve found the best price and chosen your certificate, contact that car insurance company and purchase the minimum amount of required auto insurance so that they can file the SR22 on your behalf. 
  1. Submit the SR22 Once you’ve purchased the minimum amount of required insurance, your auto insurance company will formally file the SR22 form with your state’s DMV. 

You must continue to retain the minimum necessary insurance during your SR22 car insurance  period. If you have a gap in coverage or cancel your insurance, the auto insurance company will notify the state. This can result in a loss of driving privileges and further repercussions such as:

  • Driver’s license suspension
  • Vehicle registration fees
  • Expensive fees
  • Restarting your SR22 period

It’s a situation you definitely don’t want to be in, so always proceed with caution, and don’t be afraid to reach out to your DMV to reconfirm the details and requirements. The DMV can also be helpful for learning how to get a restricted license

How to Remove SR22 Insurance

Wondering how to get an SR22 removed? If your SR22 period expires without any further driving violations, you can remove the SR22 insurance requirement by following these steps:

  1. Contact your state’s DMV to confirm the date your SR22 ends.
  2. Contact your insurance company to notify them of the date. 

Your insurance will reach out to the DMV directly when they have formally canceled your SR22 car insurance. Make sure that you do not terminate coverage prematurely. Even if you change insurance companies to secure a better auto insurance rate, ensure that there is no gap in coverage. Terminate the old policy only after the new coverage begins.1

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Discover Big Savings on SR22 Insurance

SR22 insurance is undeniably more expensive, but the difference doesn’t have to be a deal-breaker. 

Here at 4AutoInsuranceQuote, we offer a free tool to compare insurance prices automatically and provide you with quotes from each company. All you need to do is enter your zip code and any additional necessary information about you and your vehicle. Then, you can compare the rates each insurance company would offer you.

Choose your insurance company with confidence with 4AutoInsuranceQuote.

References:

  1. WalletHub. SR-22 Insurance Guide. https://wallethub.com/edu/ci/sr-22-insurance/7337
  2. State Farm. Suspended driver’s license? You may need an SR-22https://www.statefarm.com/simple-insights/auto-and-vehicles/suspended-drivers-license-you-may-need-an-sr22
  3. Progressive. What is an SR-22?  https://www.progressive.com/answers/sr-22/

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