Last updated: March 2026
How Much Does SR-22 Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| SR-22 Filing Fee (one-time) | $0 – $0 | $15 – $50 |
| Auto Insurance with SR-22 (monthly) | $0 – $0 | $100 – $400 |
| Non-Owner SR-22 Policy (monthly) | $0 – $0 | $50 – $150 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: SR-22 is a certificate of financial responsibility filed by your insurer with the state. It is required after DUI, driving without insurance, or other serious violations.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
The SR-22 filing fee is $15 to $50, but the real cost is higher auto insurance premiums. Expect to pay 50 to 200% more for auto insurance, or $100 to $400 per month.
SR-22 requirements typically last 3 years, though some states require it for up to 5 years. If your insurance lapses during this period, the requirement restarts.
Yes, a non-owner SR-22 policy provides the required liability coverage and filing for people who do not own a vehicle but need to maintain their license.