It’s essential to know everything you can about car insurance before you decide to head out, compare quotes and pick a policy. There are also certain forms of car insurance that are saved for special cases. SR-22 insurance is one of these.
This article will explore what SR-22 insurance is and how long you’ll need to hold an SR-22 insurance certificate. In addition We’ll finish up the guide by exploring the cost of sr22 insurance
What is SR22 Insurance?
Affordable SR-22 insurance is not car insurance, but rather a certificate that displays proof of car insurance policy ownership. It could also mean a consumer’s evidence of financial responsibility. SR-22 specifies what the minimum requirements of driving in your state are, which is pretty handy.
“SR” in SR22 stands for Safety Responsibility.
SR22 car insurance quotes are technically not insurance policies. Rather, an SR-22 form is a CFR, which stands for Certificate of Financial Responsibility.
Giving out SR-22 forms is the responsibility of the Department of Motor Vehicles of the state in which the driver resides, and the process has to be arranged through them.
You may need an SR-22 if you get caught committing a major violation while you’re driving. In the vast majority of cases, drivers who are caught and convicted of a DUI must get an SR-22 form so that they can get their license back and legally drive in the future.
How Long Does SR22 Car Insurance Last?
You’ll have to hold an SR-22 CFR for a period of three years before you’re allowed to drive without one.
If you’re caught for a major offense like a DUI, many states will increase the amount of time that you have to retain your CFR. In most cases, states will mandate that you hold your SR-22 for about five years.
Also, throughout the three to five years that you’re holding your SR-22 form, you can expect to deal with heightened insurance rates. This will be in addition to the insurance hike that you got for the violation that initially resulted in the SR-22 form.
Reasons Why You May Require SR22 Insurance
Here are some of the reasons why you’d need to get a CFR like an FR-44 or SR-22 filing:
DUI
One of the most common reasons for holding this kind of car insurance is getting caught driving under the influence or driving while impaired. You’ll typically be punished more extensively for drunk driving than you will for other reasons like driving without insurance or even driving without a license.
Driving Without Insurance
A driver needs an SR-22 if they get caught by a police officer while driving without insurance. In some cases, if it’s due to a mistake or a temporary lapse in coverage, then you may be able to get off without the need for an SR-22. However, if there was clearly intent in driving without insurance, your license will instantly be suspended.
Average SR22 Insurance Cost: How Much Is SR-22 Insurance Per Month/Year?
The cost of an SR-22 form depends on a variety of factors, and in most cases, actually filing for the coverage isn’t all that expensive. Here’s a table of the expenses you can expect to cover so that you can regain your driving privileges:
| Expense | Cost |
| SR-22 fee | $20 to $50 |
| License reissue fee | About $100 |
| SR-22 annual average rate | About $2000 |
SR-22 insurance cost will depend on a range of different factors. If you already know how much your insurance costs before getting an SR-22, you can expect the price of your car insurance to rise by over 50% after you have your CFR. The hike in your premiums is due to insurance providers having less trust in you after committing a violation that required an SR-22 in the first place.
Low-cost SR22 insurance form filing is between $20 to $50 and is necessary for high risk drivers. The average cost of SR22 insurance is about $167 per month and $2,000 a year, depending on the state and the insurance company.
National Average SR22 Insurance Cost Per Year By Company
| Insurer | Clean Driving Record | 1 Accident | 1 DUI | 1 Speeding Ticket |
| USAA | $1930 | $2498 | $3501 | $2189 |
| GEICO | $2146 | $3188 | $4880 | $2650 |
| American Family | $2700 | $3700 | $4300 | $3000 |
| Nationwide | $2700 | $3400 | $4500 | $3100 |
| State Farm | $2800 | $3400 | $3640 | $3200 |
| Progressive | $3400 | $4800 | $4000 | $4000 |
| Travelers | $3500 | $4300 | $5750 | $4300 |
| Farmers | $3500 | $4500 | $4700 | $4100 |
| Allstate | $3800 | $5000 | $6300 | $4490 |
| Liberty Mutual | $4800 | $6200 | $7600 | $5,700 |
Average SR22 Insurance Cost Per Year By State With One DUI
The driving violation that you’ve made and required you to have SR22 increases your auto insurance rates by 90% on average for SR22 with one DUI. See below:
| State | SR-22 cost per year | % Increase | $ Increase |
| Alaska | $1950 | 55% | $700 |
| Alabama | $2500 | 90% | $1200 |
| Arkansas | $2750 | 80% | $1200 |
| Arizona | $3600 | 160% | $2200 |
| California | $5100 | 185% | $3300 |
| Colorado | $3000 | 80% | $1300 |
| Connecticut | $3100 | 55% | $1150 |
| DC | $2950 | 56% | $1060 |
| Delaware | $3500 | 91% | $1700 |
| Florida | $3800 | 70% | $1550 |
| Georgia | $3400 | 87% | $1600 |
| Hawaii | $4500 | 260% | $3200 |
| Iowa | $1900 | 77% | $850 |
| Idaho | $1800 | 77% | $780 |
| Illinois | $2200 | 90% | $1050 |
| Indiana | $1600 | 50% | $550 |
| Kansas | $2300 | 65% | $900 |
| Kentucky | $2700 | 67% | $1100 |
| Louisiana | $3600 | 61% | $1400 |
| Massachusetts | $3200 | 100% | $1600 |
| Maryland | $2000 | 30% | $475 |
| Maine | $1300 | 50% | $400 |
| Michigan | $8500 | 255% | $6000 |
| Minnesota | $2600 | 95% | $1250 |
| Missouri | $2250 | 75% | $999 |
| Mississippi | $2550 | 69% | $1050 |
| Montana | $2750 | 73% | $1150 |
| North Carolina | $5600 | 377% | $4400 |
| North Dakota | $2000 | 78% | $880 |
| Nebraska | $2300 | 79% | $1,020 |
| New Hampshire | $2000 | 74% | $850 |
| New Jersey | $3900 | 173% | $2500 |
| New Mexico | $2750 | 83% | $1250 |
| Nevada | $2500 | 60% | $925 |
| New York | $1900 | 53% | $650 |
| Ohio | $1700 | 77% | $740 |
| Oklahoma | $2200 | 50% | $730 |
| Oregon | $2300 | 75% | $1000 |
| Pennsylvania | $2350 | 62% | $900 |
| Rhode Island | $3650 | 80% | $1600 |
| South Carolina | $2400 | 76% | $1000 |
| South Dakota | $2250 | 80% | $1000 |
| Tennessee | $2400 | 75% | $1000 |
| Texas | $2700 | 64% | $1060 |
| Utah | $2010 | 67% | $800 |
| Virginia | $1700 | 70% | $700 |
| Vermont | $1800 | 54% | $630 |
| Washington | $2200 | 69% | $900 |
| Wisconsin | $1800 | 56% | $650 |
| West Virginia | $2800 | 90% | $1300 |
| Wyoming | $2750 | 74% | $1200 |
Cheap SR22 Insurance Quotes: How To Get Them
In order to find the cheapest sr22 insurance quote and get a cheap SR-22 insurance near you, you have to compare SR22 insurance quotes from various trusted companies. See who offers the best SR22 auto insurance quotes for your condition and driving violation. You can do that easily through this page and compare SR22 car insurance quotes in a few simple clicks. We highly recommend you to read our extensive SR22 car insurance quotes comparison guide.
