Average Cost of SR22 Insurance

SR22 forms, which are required for some high risk drivers, cost between $15 and $30 to file, but your rates may increase by up to 137% as a result of your high risk designation.

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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: Jul 13, 2020

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Summary Stats
Summary DetailsFrom the Experts...
Most states require drivers to maintain SR22 insurance for between 1 and 5 yearsNolo
The cost of filing an SR22 form is typically between $15 and $30Nolo
High risk drivers can pay up to 127% percent more for insurance than the average driverQuadrant Information Services

You’ve recently been informed you’re required to obtain an SR22 form as a part of maintaining your legally mandated car insurance coverage. What is SR22 insurance? What is the average cost of SR22 insurance? how much does SR 22 insurance cost a month?

Read through this guide to find out how much SR22 insurance costs, why you need it, and more.

You can use your ZIP code right now to get a quote on SR22 insurance.

SR22 Insurance

We’ll start with a quick overview of SR22 insurance. What is it and why might you need it? Technically, SR22 insurance isn’t insurance at all. Instead, it’s a form you may be required to obtain if you’re determined to be a high risk driver.

The form is certifies that as a high risk driver, you are meeting the insurance requirements mandated by your driving record (which are often higher than those required of the average driver). It is typically necessary in order to get your driving privileges reinstated if they were temporarily suspended due to poor or reckless driving.

Your insurance company will file the form with the state for you. Now that we’ve gone over the basics, read through the next few sections to find out the average monthly cost for SR22 insurance and more.

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What is the average cost of an SR22 insurance form?

Figuring out the average cost of SR22 insurance is relatively easy, since the only cost involved as far as the SR22 form is concerned is the filing fee. How much does an SR22 cost? In most cases, filing will cost between $15 and $30.

Getting auto insurance with low premiums, however, will be more of a challenge if you are required to carry a SR22 form, which we’ll discuss in more detail in the next section. Auto insurance laws vary from state-to-state, but insurance companies are usually required to file your SR22 form with the state where you reside.

It is also important to note that if you change insurance companies during the period of time in which you’re required to maintain an SR22 form, in states like Colorado and others, you’ll have to pay for a new form and filing when you purchase your policy with the new company, because it doesn’t transfer.

How much will an SR22 increase my insurance rates?

An SR22 filing has no bearing on the cost of your auto insurance. Your policy will be rated using factors that typically go into rating a policy, such as driving record, parking or moving violations, accidents, convictions and other criteria. As this video indicates, your driving record can have a significant affect on your rates.

Therefore, the average cost of SR22 insurance depends on why your license was revoked or suspended, whether it was a first, second, or third offense, whether an accident occurred in which you were at fault and if the accident resulted in bodily injury to other parties, etc. Any other incidents that led to your SR22 filing will also be considered when your auto insurance policy rates are adjusted.

For example, a driver convicted of DUI may end up paying a monthly premium that is three to five times higher than a driver with a clean driving record, even for a first offense. They will pay the higher premiums for a period of at least three years, the average length of time a driver is required to carry an SR22 form (though in some states it can be up to five years).

On the other hand, a driver required to file an SR22 for excessive speeding tickets will end up paying a lower premium, yet one that is one to two times higher than a driver with a clean record.

For the purposes of this discussion, we’ve pulled average annual rates for standard auto insurance compared to average annual rates for drivers with a car accident, speeding ticket, and DUI (all possible reasons for being required to obtain SR22 insurance).

Average Annual Rates Based on Driving Record
Insurance CompanyAverage Annual Insurance Rates with a Clean Driving RecordAverage Annual Insurance Rates with One AccidentAverage Annual Insurance Rates with One DUIAverage Annual Insurance Rates with One Speeding Ticket
American Family$2,693.61$3,722.75$4,330.24$3,025.74
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26

How much is SR22 insurance? As you can see by the rates in this table, the answer is, it depends. Rates can vary significantly based on the company, and your personal circumstances will have a significant affect as well. As we already noted, finding cheap SR22 insurance is difficult, but your best bet is to shop around.

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How much is SR22 Insurance a month?

So how much does SR22 cost a month? Take a look at this table to find out.

Monthly Rates Based on Driving Record
Insurance CompanyAverage Monthly Insurance Rates with a Clean Driving RecordAverage Monthly Insurance Rates with One AccidentAverage Monthly Insurance Rates with One DUIAverage Monthly Insurance Rates with One Speeding Ticket
American Family$224.47$310.23$360.85$252.15
State Farm$235.10$283.00$303.07$265.50
Liberty Mutual$397.86$517.06$634.46$475.11

An SR22 monthly payment can range from $206.39 to $387.15 depending on your insurance company. However, keep in mind that these are only averages, and can be used as a baseline, but your personal rates may vary significantly.

SR22 Insurance is usually more expensive because drivers who carry SR22 forms are considered high-risk. However, as we noted earlier, the cost of filing an SR22 with your state is relative low.

Having a long-time good relationship with your insurance will not be of much help once they file an SR22 for you. Once your driving record is blemished, your chances of getting low rates are practically zilch. Your average cost of SR22 insurance will be higher no matter what.

Another thing you need to do is see if your company even offers SR22 insurance, because not every insurer does. Your best bet is to research your state’s SR22 filing requirements, get quotes from different auto insurers who offer SR22 insurance, and choose the one that has the lowest price.

The Bottom Line for the Cost of SR22 Insurance

SR22 insurance is actually a form that must be filed with the state if you’re considered a high risk driver. Whether or not your driving record means you’ll need to obtain an SR22 is dependent on the laws in your state.

How much is an SR22? The filing fee is typically between $15 and $30, which is the full SR22 cost. However, the resulting insurance rates will be expensive.

How much does it cost to get SR22 insurance and how much does an SR22 cost per month? It depends on your driving record, state, insurance company, etc. However, you can be sure your rates will be significantly higher than those for the average driver. Shop around to find the most affordable rates for your situation.

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Frequently Asked Question: SR22 Insurance Cost

Still have questions about SR22 insurance prices? Read these frequently asked questions to learn more.

What is the SR22 Utah Insurance average cost?

How much is SR22 insurance in Utah? The filing fee falls within the $15-$30 range we’ve already discussed, and the cost of insurance varies based on the severity of your driving infractions. However, similar to what we did earlier, we pulled rates for Utah drivers based on driving record to give you an idea of what you might pay. Take a look.

Monthly Utah Insurance Rates Based on Driving Record
Insurance CompanyAverage Monthly Rate for a Clean Driving RecordAverage Monthly Rate with 1 AccidentAverage Monthly Rate with 1 Speeding TicketAverage Monthly Rate with 1 DUI
American Family$254.24$317.41$285.83$375.43
Liberty Mutual$282.58$387.53$355.23$417.25
State Farm$351.90$422.40$387.15$387.15

As you can see, high risk drivers could pay up to 80 percent more for insurance than drivers with a clean record. It is important to note that if your vehicle registration expired or was revoked, you may be required to present an SR22 form to reinstate the vehicle registration in Utah.

What is the difference between an SR22 and an FR44 form?

An FR44 form is similar to an SR22 in that it can be required in order to get your driving privileges reinstated after they have been revoked as the result of high risk driving. SR22 forms can be required regardless of the infractions that resulted in a suspension of your driving privileges.

FR44 forms, however, are typically only required when working to reinstate your driver’s licence after a DUI conviction. Additionally, only Virginia and Florida currently use FR44s, while SR22s are more common and may be required in a number of states.

Before you go, take a minute to use your ZIP code and get a free quote on SR22 insurance today.


  1. https://www.colorado.gov/pacific/dmv/sr22-and-insurance-information
  2. https://dmv.utah.gov/register/insurance

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