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What is SR-22 Insurance?
SR-22 is not a type of insurance—it's a certificate your insurer files with the DMV proving you have minimum required liability coverage. It's required after DUI/DWI, driving without insurance, or multiple violations.
📋 SR-22 vs. Insurance
SR-22 is just a form (costs $15-50 to file). Your insurance premiums are what increases significantly—often by 30-300%.
When Is SR-22 Required?
- DUI/DWI conviction – Most common reason
- Driving without insurance – Getting caught uninsured
- Too many points on license – Repeated violations
- At-fault accident without insurance
- License suspension/revocation
⚠️ Important
If your policy lapses while you need SR-22, your insurer must notify the DMV immediately. This typically results in automatic license suspension.
How Much Does SR-22 Cost?
📊 SR-22 Insurance Costs by Violation
| Violation | Before SR-22 | After SR-22 | Increase |
|---|---|---|---|
| DUI/DWI (1st) | $1,771/yr | $3,896/yr | +120% |
| DUI/DWI (2nd) | $1,771/yr | $5,313/yr | +200% |
| Reckless Driving | $1,771/yr | $3,189/yr | +80% |
| Driving Uninsured | $1,771/yr | $2,657/yr | +50% |
Cheapest SR-22 Insurance Companies
🏆 Best Insurers for SR-22
| Company | Avg. SR-22 Rate | Best For |
|---|---|---|
| Progressive | $3,245/yr | Most DUI cases |
| Dairyland | $2,890/yr | Very high-risk |
| The General | $3,123/yr | No prior insurance |
| GEICO | $3,456/yr | Multiple violations |
How to Get SR-22 Insurance
1
Contact your current insurer
Ask if they offer SR-22 filings.
2
Shop for SR-22-friendly insurers
Compare Progressive, Dairyland, The General.
3
Pay the SR-22 filing fee ($15-50)
Insurer files form with DMV.
4
Maintain continuous coverage
Keep policy active for 3 years (typical).