How Much Does SR-22 Insurance Cost?
A detailed breakdown of SR-22 insurance costs, what affects pricing, and how to save money.
SR-22 Filing Fee
$15 – $25
One-time fee charged by your insurer to file the form
Monthly Premium
$150 – $400
Average monthly cost including the higher-risk premium
Understanding SR-22 Costs
The cost of SR-22 insurance has two components: the filing fee and the insurance premium increase. The filing fee is minimal — typically $15 to $25 — but the real cost comes from higher insurance premiums due to your high-risk status.
Cost by Violation Type
| Violation | Avg. Rate Increase | Est. Monthly Cost |
|---|---|---|
| DUI / DWI (1st offense) | 40% – 150% | $200 – $400+ |
| DUI / DWI (2nd offense) | 100% – 200% | $350 – $600+ |
| Driving Without Insurance | 30% – 100% | $150 – $300 |
| Too Many Violations | 25% – 75% | $130 – $280 |
| At-Fault Accident (uninsured) | 50% – 130% | $180 – $350 |
| Reckless Driving | 50% – 150% | $180 – $400 |
| License Reinstatement | 20% – 60% | $120 – $250 |
Factors That Affect Your SR-22 Cost
- Type of violation: DUI convictions result in the highest increases.
- State of residence: States with higher insurance costs overall will have higher SR-22 rates.
- Driving history: Multiple violations compound the rate increase.
- Age and gender: Younger drivers and males typically pay more.
- Credit score: In states that allow credit-based pricing, poor credit increases rates.
- Vehicle type: More expensive or high-performance vehicles cost more to insure.
- Coverage level: Higher coverage limits mean higher premiums.
How to Save Money on SR-22
- Compare quotes from 5+ insurers — rates can vary by hundreds of dollars.
- Maintain a clean driving record — every violation-free month helps.
- Take a defensive driving course — many insurers offer 5–15% discounts.
- Bundle policies — combining auto with renters/homeowners saves 10–25%.
- Increase your deductible — raising from $500 to $1,000 can save 15–30%.
- Ask about all discounts — paperless billing, autopay, good student, low mileage.
- Consider non-owner SR-22 — if you don't own a car, this is 30–60% cheaper.