Cheap SR-22 Insurance

If you are looking for cheap SR-22 insurance, it's not an impossible feat. Just like with standard car insurance, finding affordable SR-22 insurance comes down to comparison shopping. To comply with most states' minimum car insurance requirements, you must carry $25,000 per person bodily injury and $10,000 for property damage. An SR-22 is able to be issued by most insurance providers. You are required to maintain coverage for two years starting from the date of the conviction that requires you to carry an SR-22.

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Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance...

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Reviewed byRachael Brennan
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UPDATED: Aug 12, 2020

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SR-22 Auto Insurance Summary
SR-22 Insurance FactsSource
A SR-22 is required by Texas to verify you are maintaining vehicle liability insurance.dps.texas.gov
A SR-22 is able to be issued by most insurance providers.dps.texas.gov
The insurance provider will notify the authorities when a SR-22 is terminated, cancelled, or if it lapses.dps.texas.gov
Reasons for a SR-22: driving privilege suspended after a crash, several convictions for No Motor Vehicle Liability Insurancedps.texas.gov
You are required to maintain coverage for two years starting from the date of the conviction that requires you to possess a SR-22dps.texas.gov
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If you are in a situation where you need SR-22 insurance, you are going to want to best, cheap SR-22 car insurance possible. It is not hard to get cheap SR-22 insurance once you know the basics of what an SR-22 is.

We understand that finding the right insurer is difficult. This is made even more difficult when you need SR-22 insurance. Take a look at our SR-22 state guide to find out just what you’ll need where you live. Before we get into covering how to get a cheap SR-22, feel free to type your ZIP code into our helpful and free tool above and you’ll be on your way to getting cheap SR-22 auto insurance.

Cheap SR-22 Insurance: What It Is & How to Get It For Less

SR-22 is a type of insurance form that monitors, or keeps track of coverage that a driver has. Insurance companies must fill out special forms that serve as proof that customers are covered and are being financially responsible for their automobile insurance. SR-22 insurance is typically needed when a driver has a history of allowing their insurance to lapse or have done things to cause their license to be suspended.

Let’s take a look at a table showing the reasons why you may need an SR-22.

Reasons SR-22 Auto Insurance may be Required
Situation Requiring SR-22 Auto Insurance
If your driving privelege has been suspended due to a car crash.
Two or more convictions for no motor vehicle liability insurance
A civil judgment has been filed against you
Reckless driving conviction
DUI
Numerous traffic offenses in a short duration
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Here is a video further explaining the SR-22.

There are several different types of SR-22 insurance. The first type, the Operator’s certificate, covers the driver but not an automobile. This is for drivers who need coverage but do not own a car to personally cover. This is also called non-owner SR-22 insurance. It may prove difficult finding cheap SR-22 insurance with no car, though. Let’s take a look at a video that explains it a bit more.

The next type is the Owner’s certificate, which covers all cars owned by a driver who is required to have an SR-22. The Operators-Owners certificate covers the driver, any car he owns, and the cars that he drives but does not own. Although cheap SR-22 insurance can be found in all types, the Operators-Owners certificate is not the cheapest SR-22 one can get.

Here is another video diving into details on SR-22 certificates.

Looking for a cheap SR-22 insurance policy is necessary if the driver has met certain circumstances. If you have a suspended or revoked license, many times because of a DUI, start looking for cheap SR-22 if you need to drive to work or school. If you have a history of tickets, lapsed coverage, or have not paid for traffic violations, start searching for cheap SR-22 insurance.

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Is SR-22 expensive? Filing for inexpensive SR-22 insurance is not hard. Many insurance companies offer cheap SR-22. You have to call your insurance company and get the forms to fill out and pay a processing fee. Your local driver’s license agency will decide how long your SR-22 needs to be in effect, but most must stay in effect for 36 months.

Let’s take a look at a table showing how long you need to hold your SR-22 in the states where they are required.

SR-22 Holding Time Requirements by State
StatesRequired SR-22 Holding Time
ArizonaMinimum of three years
CaliforniaMinimum of three years
ColoradoThree years
FloridaSR-22 or FR-44 for three years
IllinoisThree years
MissouriMinimum of two years
OhioThree to five years
TexasTwo years
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Now, with a basic idea of what SR-22 insurance is, you can begin to search for a cheap SR-policy if you are required to have one. First of all, keep in mind that if you are required to have an SR-22, you are considered high risk. That means that a typical SR-22 insurance policy is going to be more expensive than a normal insurance policy.

A cheap SR-22 policy is not going to cost less than a normal policy.

Let’s take a look at a table comparing rates.

Average Rates for Standard and SR-22 Auto Insurance by State
StatesAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance RatesAverage Annual SR-22 Auto Insurance RatesAverage Monthly SR-22 Auto Insurance Rates
Idaho$1,019$85$1,799$149.92
Indiana$1,057$88$1,561$130.08
Iowa$1,073$89$1,915$159.58
North Dakota$1,123$94$2,003$166.92
Wisconsin$1,147$96$1,794$149.50
New Hampshire$1,156$96$2,008$167.33
Vermont$1,166$97$1,786$148.83
North Carolina$1,170$98$5,563$463.58
Illinois$1,176$98$2,217$184.75
Utah$1,212$101$2,009$167.42
New York$1,214$101$1,854$154.50
Alaska$1,246$104$1,945$162.08
South Dakota$1,250$104$2,247$187.25
Hawaii$1,255$105$4,464$372.00
Nebraska$1,287$107$2,307$192.25
Missouri$1,288$107$2,237$186.42
Alabama$1,304$109$2,470$205.83
Washington$1,307$109$2,211$184.25
Oregon$1,325$110$2,296$191.33
Minnesota$1,339$112$2,611$217.58
Tennessee$1,339$112$2,348$195.67
South Carolina$1,353$113$2,379$198.25
Arizona$1,399$117$3,579$298.25
Kansas$1,412$118$2,310$192.50
New Jersey$1,419$118$3,851$320.92
Pennsylvania$1,438$120$2,330$194.17
West Virginia$1,467$122$2,767$230.58
Oklahoma$1,469$122$2,198$183.17
New Mexico$1,498$125$2,735$227.92
Mississippi$1,504$125$2,531$210.92
Maryland$1,541$128$2,025$168.75
Arkansas$1,556$130$2,732$227.67
Nevada$1,578$132$2,489$207.42
Montana$1,589$132$2,726$227.17
Kentucky$1,611$134$2,714$226.17
Massachusetts$1,616$135$3,198$266.50
Texas$1,644$137$2,701$225.08
Colorado$1,675$140$2,992$249.33
California$1,783$149$5,119$426.58
Georgia$1,815$151$3,378$281.50
Delaware$1,838$153$3,525$293.75
DC$1,887$157$2,945$245.42
Connecticut$1,980$165$3,113$259.42
Rhode Island$2,011$168$3,627$302.25
Louisiana$2,228$186$3,612$301.00
Florida$2,250$188$3,780$315.00
Michigan$2,368$197$8,324$693.67
Maine$884$74$1,331$110.92
Ohio$959$80$1,700$141.67
Virginia$993$83$1,693$141.08
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What is the cheapest SR-22 insurance? When looking for where to get cheap SR-22 insurance, keep the following things in mind.

Don’t think that the cheapest policy you can find is going to be the best. There is typically a state minimum that needs to be met in terms of coverage. The typical minimums in most states are $25,000 for bodily injury per person and $10,000 for property damage.

Also, remember that you want a reputable company that knows how to report your coverage to the driver’s license department in your state and will do it in a timely manner.

Find companies who know what they are doing. When looking for cheap SR-22 insurance, you want a company that specializes in high-risk insurance. They are better able to offer you cheap SR-22 rates and know what state requirements are. For example, let’s take a look at a table showing Florida’s requirements.

Florida FR-44 Minimum Liability Auto Insurance Requirements
Types of Liability Coverage RequiredAmount of Liability Coverage Required
Bodily Injury Liability
$100,000 Bodily per person
$300,000 Bodily per accident
Property Damage Liability$50,000
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Here is another table showing Virginia’s coverage requirements.

Virginia FR-44 vs. SR-22 Liability Auto Insurance Coverage Requirements
Types of Liability Coverage RequiredVirginia SR-22 Minimum Liability Requirements
(same as state minimum requirements)
Virginia FR-44
Minimum Liability Requirements
Bodily injury/death per person$25,000
$50,000
Bodily injury/death per accident$50,000$100,000
Property damage$20,000$40,000
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Here is a video showing California’s requirements.

Get cheap SR-22 insurance quotes from as many companies as you can, making sure to compare price as well as coverage. This will ensure that you find the cheapest SR-22 insurance policy that works for you. There is no cost to getting quotes, so get as many as you can.

There are many things that are going to affect the type of quote that you get when looking for cheap SR-22 policies. Many companies will run your credit before quoting. Your age, where you live, and even your marital status can all affect the actual amount of the cheap SR-22 insurance you find. The type of car is a factor as well, the more expensive the car, the higher the cost.

The younger you are the harder it will be to find cheap SR-22 insurance.

Insurance companies will also look at how many violations you have had or how many times you have been required to have an SR-22 in the past before quoting you on cheap SR-22 policies.

So how do you start your search for cheap SR-22 insurance in California, Florida, Indianapolis, or the least expensive policy you can find?

First, make sure that your state minimums are the ones discussed, $25,000 per person bodily injury, and $10,000 property damage. If your minimums are different, you will want to know before getting quotes.

You can find the information by contacting your state’s DMV or secretary of state. Some states do not require SR-22 insurance at all, you will want to find out if your state is one of them.

Search for cheap SR-22 insurance companies online. Look for companies that offer policies cheap, SR-22 insurance will be more expensive, but some carriers can offer better deals than others. You can contact each company separately or find a broker that can look for cheap SR-22 insurance quotes from various companies for you.

Fill out as many applications as you can to get the best chance of finding a cheap SR-22 insurance policy. You should try to compare at least five prices.

The average cost of SR-22 insurance can vary by company rules, profit requirements, and the information that they have on you.

Once you choose a company, you can also you a chance to improve credit, or even save up a bigger down payment, which would make your monthly premium lower on your SR-22.

If you are in a situation where you need cheap SR-22 insurance, keep in mind that it is a temporary situation. As long as you pay your premiums on time and do not have any additional violations, the time that you are required to have and look for cheap SR-22 insurance will pass.

Hopefully, we have answered all of your questions. If we haven’t, fear not, because we’ll wrap up with an FAQ section.

Now that you know more about cheap SR-22 insurance, please feel free to type your ZIP code into our helpful tool below to find reasonable rates in your area.

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Frequently Asked Questions: Cheap SR-22 Insurance

Hopefully, we have answered all of your questions, but just in case, take a look at some common questions below.

#1 – Who sells cheap SR-22 insurance?

You can search online by typing in “cheap SR-22 insurance near me,” “cheap SR-22 near me” or by using our helpful and free tool on this very page.

#2 – How much does SR-22 usually cost??

An SR-22 usually costs about $90 a month if you were to get, for instance, a Progressive SR-22.

#3 – Can I get cheap SR-22 non-owner insurance?

Finding cheap SR-22 non-owner insurance is primarily dependant on your driving record and why you need an SR-22 to begin with.

#4 – Can I get cheap SR-22 insurance with full coverage?

Yes, but keep in mind that even with a clean record full coverage is more expensive.

#5 – How much does SR-22 insurance cost a month?

At the very least you will be paying about $80 to $90 a month. It will most likely be much higher.

References

  1. https://www.dps.texas.gov/driverlicense/sr22insurancecertificate.htm

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