Home » SR-22 Insurance Cost

Written by:

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →
Written by Leslie Kasperowicz

Farmers CSR for 4 Years

Reviewed by:

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Full Bio →
Reviewed by Brandon Frady

Licensed Insurance Agent

UPDATED: May 23, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Did you receive an SR-22 letter from your local department of motor vehicles? SR-22 is required for several reasons, but it’s likely due to your driving record. 

How Much Does SR-22 Insurance Cost

Most high-risk drivers require SR-22, and having SR-22 on your insurance can drive up your monthly car insurance rates. But how much for SR-22 insurance does it increase? Don’t worry – we’re here to explain how SR-22 affects your insurance. 

Our guide has everything you need to know about the average cost of SR-22 car insurance, which companies provide cheap SR-22 insurance, and how to save money with an SR-22 attached to your policy. 

Don't Forget These Facts

  • You could pay 90% more for car insurance if you have to pay SR-22 prices
  • Good credit can decrease your insurance rates by 30%
  • Your SR-22 filing could cost between $15 and $50

What’s the average cost of SR-22 insurance?

How much is SR-22 insurance? The national average cost for SR-22 car insurance is $230. But the average monthly rate for auto insurance with SR-22 varies by state. 

We researched for you and found the average auto insurance rates. Check out the table below to see the average SR-22 rates for each state. 

Comparing Auto Insurance with and without SR-22

StateAverage Monthly Auto Insurance RatesAverage Monthly Insurance Rates w/ SR-22Percent IncreaseDollar Increase
Alabama$109$20689%$97
Alaska$104$16256%$58
Arizona$117$298156%$182
Arkansas$130$22876%$98
California$149$427187%$278
Colorado$140$24979%$110
Connecticut$165$25957%$94
DC$157$24556%$88
Delaware$153$29492%$141
Florida$188$31568%$128
Georgia$151$28286%$130
Hawaii$105$372256%$267
Idaho$85$15077%$65
Illinois$98$18589%$87
Indiana$88$13048%$42
Iowa$89$16078%$70
Kansas$118$19364%$75
Kentucky$134$22668%$92
Louisiana$186$30162%$115
Maine$74$11151%$37
Maryland$128$16931%$40
Massachusetts$135$26798%$132
Michigan$197$694252%$496
Minnesota$112$21895%$106
Mississippi$125$21168%$86
Missouri$107$18674%$79
Montana$132$22772%$95
Nebraska$107$19279%$85
Nevada$132$20758%$76
New Hampshire$96$16774%$71
New Jersey$118$321171%$203
New Mexico$125$22883%$103
New York$101$15553%$53
North Carolina$98$464375%$366
North Dakota$94$16778%$73
Ohio$80$14277%$62
Oklahoma$122$18350%$61
Oregon$110$19173%$81
Pennsylvania$120$19462%$74
Rhode Island$168$30280%$135
South Carolina$113$19876%$86
South Dakota$104$18780%$83
Tennessee$112$19675%$84
Texas$137$22564%$88
Utah$101$16766%$66
Vermont$97$14953%$52
Virginia$83$14170%$58
Washington$109$18469%$75
West Virginia$122$23189%$108
Wisconsin$96$15056%$54
Wyoming$131$22974%$98

Compare RatesStart Now →

As you can see, the answer to the question “how much is an SR-22?” will depend on where you live. Maryland and Indiana are the only two states with a percent increase under 50%. But Maine has the cheapest dollar increase for drivers with SR-22. 

Michigan is the most expensive state for SR-22 insurance, followed by North Carolina and California. But you can save hundreds of dollars on car insurance through various other factors. 

Read more:

Where can you buy insurance to lower the average cost of SR-22 insurance?

Your auto insurance rates are also determined by the company that has your policy. Although SR-22 raises your insurance rates, several auto insurance companies provide affordable SR-22 insurance. 

Let’s examine the cheapest insurance companies for drivers who need SR-22. 

SR-22 Insurance Rates by Company and Coverage Type

CompaniesMonthly SR-22 Insurance RatesEstimated Full Coverage Rates
GEICO$46$71
Grange Insurance$51$78
Progressive$56$85
Mercury$58$89
Travelers$62$94
Wawanesa$62$95
Esurance$64$98
AAA$66$101

Compare RatesStart Now →

We found eight insurance companies that have SR-22 insurance costs that are lower than the national average cost. However, your monthly rates may vary. 

Car insurance companies will look at your personal factors to determine your rates. If your factors show a lower risk of filing claims or getting into accidents, you could see cheaper rates. 

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

Which factors affect the average cost of SR-22 insurance?

SR-22 isn’t exactly car insurance, most people know SR-22 insurance as an auto insurance policy with SR-22 attached. If you have SR-22, you’ve been listed as a high-risk driver, and your rates could go up. 

But there are many other factors that can affect your rates, including:

  • Credit history. Some insurance companies will look at your credit score to determine your car insurance rates.
  • Insurance history. Drivers with multiple at-fault insurance claims could have higher car insurance rates.
  • Coverage level. If the state minimum doesn’t provide enough coverage, you can raise your coverage limits, but you’ll pay more for auto insurance. 
  • Age. Younger drivers take more risks while driving, and insurance companies respond with more expensive rates. 
  • Location. Where you live can determine your car insurance rates. 
  • Driving record. Insurance companies look at your driving history to see if you’re a risky driver to insure. 

How much is SR-22 insurance? There are many factors that need to be considered. Gender, marital status, and deductibles also impact your insurance rates. If you have SR-22 on your insurance policy, there are ways to save money. 

How do you save money on SR-22 insurance?

SR-22 may increase your rates, but it doesn’t disqualify you from affordable car insurance. These car insurance discounts can help you decrease SR-22 prices:

  • Good credit discount. You can save up to 30% if you have good credit.
  • Anti-theft discount. An insurance company could provide savings if your vehicle has anti-theft features.
  • Safety features discount. Auto insurance companies provide cheaper rates for drivers who have cars equipped with multiple safety features, such as anti-lock brakes and traction control.
  • Good student discount. Students with good grades can save between 10% and 15%. 

You can also save money on car insurance by bundling other insurance products to your car insurance policy. In addition to bundling, you can consider a usage-based insurance program. 

Some of the best insurance companies have usage-based insurance to monitor your driving habits. You can receive a discount if you have good driving habits, but each company has different savings. 

How much does an SR-22 cost? You can bring your SR-22 insurance cost down significantly by finding the right discounts.

What is SR-22?

SR-22 is a certification that confirms that you have at least the state minimum requirements for auto insurance. The certificate shows that a driver has current and future insurance. 

The “SR” in SR-22 is an acronym for “safety responsibility.” 

If you need SR-22, your local courts may demand that you get SR-22 for one or more of these reasons:

  • You were driving without car insurance.
  • You were convicted of DUI or other severe driving offense.
  • There are too many accidents and traffic infractions on your driving record.
  • You were driving with a suspended, revoked, or expired driver’s license.

Once the court issues an order to get SR-22, you’ll need to contact your insurance company and let them know you need an SR-22 filing. The SR-22 fee costs $15 to $50, and your cost depends on the company. 

How long will SR-22 last?

SR-22 lasts for three years in most states. But North Dakota only requires SR-22 for one year, and Mississippi and Alaska have SR-22 terms that last as long as five years. 

Average Cost of SR-22 Insurance: The Bottom Line

How much does SR-22 cost? The average cost of SR-22 car insurance varies by state, but your rates will be different. Insurance companies look at many factors to determine auto insurance rates with or without SR-22. 

If you have SR-22, your insurance rates could be more expensive. However, you can get cheaper rates by stacking car insurance discounts. But your insurance deals depend on the company. 

Try to maintain a clean driving record to reduce expenses and save hundreds of dollars. If your insurance company still sees you as a high-risk driver, you will be asked to reapply for SR-22. 

Drivers who lose their car insurance coverage after going to court should start shopping for car insurance before driving. You don’t want to get caught driving without insurance.