SR-22 insurance: do you need it, and what does it cost?
An SR-22 isn’t insurance — it’s a form your insurer files to prove you’re covered. Pick your state and situation to see what’s required, and how to keep the real cost down.
Why might you need it?
Pick your state and reason to see what’s required and what it costs.
What is an SR-22?
An SR-22 is a certificate of financial responsibility your insurer files with the state to confirm you carry at least the required liability coverage. It’s usually required after serious violations like a DUI, driving without insurance, or a license suspension. A few states use an FR-44 instead, which demands higher liability limits. See our full SR-22 guide for the details.
How to get the cheapest SR-22 insurance
The filing fee is small (typically $15–$50) — the expensive part is the rate increase from the violation. The catch: not every insurer files SR-22s, and the ones that do price high-risk drivers very differently. The same driver can see wildly different SR-22 quotes, so comparing several insurers is the single most effective way to lower the cost.