SR-22 Insurance Estimator
Understand the costs associated with an SR-22 "Certificate of Financial Responsibility." Calculate potential premium increases based on your violation.
Select your violation reason and state to see the estimated financial impact.
SR-22 Filing Fees and Timelines
The Filing Fee
Insurance companies typically charge a one-time fee of $15 to $50 to file the SR-22 document with your state's DMV. This is separate from your premium.
How Long Does It Last?
In most states, you must maintain the SR-22 on file for 3 years. If your policy lapses during this time, the insurer is legally required to notify the DMV, which usually results in immediate license suspension.
Non-Owner SR-22
If you need to reinstate your license but do not own a car, you can purchase a "Non-Owner SR-22 Policy." This provides liability coverage for any car you drive and satisfies the state requirement, often at a lower cost.
Methodology
Our SR-22 estimator calculates a "Standard" base premium for your age and location, then applies a "High-Risk Multiplier" based on the violation type selected (e.g., a DUI typically triggers a 100-200% rate increase). The "Extra Monthly Cost" displayed is the difference between a standard driver's rate and the high-risk rate.
Frequently Asked Questions
What is an SR-22?
It is not insurance. It is a certificate (form) your insurance company files with the state to verify that you have the minimum required liability insurance. It is usually required after serious traffic violations.
What is an FR-44?
Florida and Virginia use a form called FR-44 for DUI/DWI convictions. The FR-44 requirement usually mandates much higher liability limits (e.g., 100/300/50) than a standard SR-22, making it significantly more expensive.
Can I hide my SR-22 status from my insurance company?
No. You cannot file it yourself. Your insurance carrier must file it for you. This alerts them to your driving record, which causes them to re-evaluate your rate.
What happens if I stop paying my insurance?
The insurance company sends an SR-26 form to the state DMV, notifying them that your coverage has lapsed. Your license will likely be suspended again immediately.
Do all companies offer SR-22 filings?
No. Some "preferred" carriers (like USAA or Amica) may decline to cover high-risk drivers. You may need to shop with carriers that specialize in high-risk policies, such as The General, Progressive, or specialized local brokers.
Does the SR-22 requirement expire?
Yes. Typically after 3 years of continuous coverage (statutes vary by state). Once the period ends, you can call your insurer to remove the filing, and your rates should eventually decrease.