SR22 Insurance Calculator 2026
Find out how much SR22 insurance costs in your state. SR22 is NOT insurance — it's a certificate your insurer files with the state proving you carry minimum liability coverage. Required after DUI/DWI, driving without insurance, or excessive violations.
📋 Calculate SR22 Insurance Cost
SR22 filing fee: $15-50 one-time. The real cost is the INSURANCE RATE INCREASE — typically 50-300% higher premiums for 3 years.
How Much Does SR22 Insurance Cost?
| SR22 Reason | Insurance Rate Increase | Average Annual Cost Increase |
|---|---|---|
| DUI / DWI (1st offense) | +70-100% | +$1,200-2,500/yr |
| Driving Without Insurance | +30-60% | +$500-1,200/yr |
| Excessive Violations | +50-80% | +$800-1,800/yr |
| License Suspension | +60-100% | +$1,000-2,200/yr |
| At-Fault Accident (uninsured) | +80-150% | +$1,500-3,000/yr |
SR22 Insurance Costs by State
| State | Avg Monthly w/ SR22 | Filing Fee | Duration Required |
|---|---|---|---|
| California | $200-350 | $25 | 3 years |
| Texas | $180-320 | $25 | 2 years |
| Florida | $220-400 | $15-25 | 3 years |
| Illinois | $170-300 | $20 | 3 years |
| Ohio | $150-270 | $15 | 3 years |
| Georgia | $190-350 | $25 | 3 years |
| Michigan | $250-450 | $25 | 3 years |
| New York | $200-380 | $20 | 3 years |
💡 How to Get Cheap SR22 Insurance
- Compare at least 5 companies — SR22 rates vary wildly between insurers
- Progressive, GEICO, State Farm often have competitive SR22 rates
- Request minimum liability to keep premiums lowest
- Complete DUI school — may qualify for a rate reduction
- Bundle with renters insurance for a multi-policy discount
- Maintain clean record during SR22 period — any new violations will spike rates even higher
SR22 FAQ
An SR22 is NOT insurance itself — it's a certificate (form) that your insurance company files with the state DMV proving you carry at least the minimum required liability coverage. It's typically required after serious driving violations like DUI, driving without insurance, or multiple at-fault accidents.
Most states require SR22 for 3 years from the date of reinstatement. Some states require 5 years. If your insurance lapses during this period, your insurer must notify the state, and your license will be suspended again.
The SR22 filing itself does not appear on your credit report. However, the underlying violation (DUI, etc.) may affect your insurance score, which is different from your credit score. Higher insurance rates could also strain your budget.
Yes — this is called a non-owner SR22 policy. It provides liability coverage when you drive borrowed or rented vehicles. It's the cheapest SR22 option, typically $30-60/month.