Average Cost of SR-22 InsuranceYou've recently been informed you're required to obtain an SR-22 form as a part of maintaining your legally mandated car insurance coverage, now what? Contact your insurance provider in order to obtain the SR-22 form, then start planning your expenses. An SR-22 document proves that drivers have the minimum coverage per state law for “high risk” insurance policies. An SR-22, or like in Florida and Virginia a FR-44, is not insurance but a certificate of financial responsibility. This filing can be dropped at a later time when the requirements have been fulfilled by the driver. The average cost of SR-22 is between $15 and $30 per month for filing costs and can range from $207 to $387 per month depending on your insurance company. Prices will also vary depending on your state. Still trying to determine what this document is and the extra costs to your family per month? Learn more about how SR-22 may impact your insurance rates and average costs in other states with this guide.
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UPDATED: Oct 17, 2020
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Don’t Forget These Facts
- Most states require drivers to maintain SR-22 insurance for between one and five years
- The cost of filing an SR-22 form is typically between $15 and $30
- High-risk drivers can pay up to 127 percent more for insurance than the average driver
When looking into the average cost of an SR-22 that insurance providers may tack on to your policy, you want to make sure you’re not overpaying.
But, what is SR-22 insurance? What is the average cost of SR-22 insurance? How much does SR-22 insurance cost a month? These questions and more will be addressed. Right now, you can use your ZIP code to get a quote on SR-22 insurance.
Average Cost of SR-22 “Insurance”
Firstly, one common misconception is that the SR-22 is insurance. It’s not.
Instead, it is a one-time filing fee, the document serves as a certificate of financial responsibility.
This means that SR-22 is a inexpensive document with a low-cost, one-time payment.
An SR-22 vehicle liability insurance document is a form you may be required to obtain if you’re determined to be a high-risk driver.
The form 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 how much SR-22 insurance usually costs drivers.
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How much will an SR-22 increase my insurance?
Figuring out the average cost of SR-22 insurance is easy since the only cost involved as far as the SR-22 form is concerned is the filing fee.
In most cases, filing SR-22 insurance costs between $15 and $30.
Auto insurance laws vary from state-to-state, but insurance companies are usually required to file your SR-22 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 SR-22 form, in states like Colorado, Texas, etc., 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.
Getting auto insurance with low premiums, however, will be more of a challenge if you are required to carry an SR-22 form, which we’ll discuss in more detail in the next section.
What is the average cost of SR-22 insurance in my state?
The filing fee falls within the $15 to $30 range we’ve already discussed, and SR-22 insurance costs vary based on the severity of your driving infractions.
However, similar to what we did earlier, we pulled average monthly insurance rates for drivers in all 50 states based on the driving record to give you an idea of what you might pay.
| State | Average Rate | SR22 Rate | Percent Increase | Dollar Increase |
|---|---|---|---|---|
| Alaska | $1,246 | $1,945 | 56% | $699 |
| Alabama | $1,304 | $2,470 | 89% | $1,166 |
| Arkansas | $1,556 | $2,732 | 76% | $1,176 |
| Arizona | $1,399 | $3,579 | 156% | $2,180 |
| California | $1,783 | $5,119 | 187% | $3,336 |
| Colorado | $1,675 | $2,992 | 79% | $1,317 |
| Connecticut | $1,980 | $3,113 | 57% | $1,133 |
| DC | $1,887 | $2,945 | 56% | $1,058 |
| Delaware | $1,838 | $3,525 | 92% | $1,687 |
| Florida | $2,250 | $3,780 | 68% | $1,530 |
| Georgia | $1,815 | $3,378 | 86% | $1,563 |
| Hawaii | $1,255 | $4,464 | 256% | $3,209 |
| Iowa | $1,073 | $1,915 | 78% | $842 |
| Idaho | $1,019 | $1,799 | 77% | $780 |
| Illinois | $1,176 | $2,217 | 89% | $1,041 |
| Indiana | $1,057 | $1,561 | 48% | $504 |
| Kansas | $1,412 | $2,310 | 64% | $898 |
| Kentucky | $1,611 | $2,714 | 68% | $1,103 |
| Louisiana | $2,228 | $3,612 | 62% | $1,384 |
| Massachusetts | $1,616 | $3,198 | 98% | $1,582 |
| Maryland | $1,541 | $2,025 | 31% | $484 |
| Maine | $884 | $1,331 | 51% | $447 |
| Michigan | $2,368 | $8,324 | 252% | $5,956 |
| Minnesota | $1,339 | $2,611 | 95% | $1,272 |
| Missouri | $1,288 | $2,237 | 74% | $949 |
| Mississippi | $1,504 | $2,531 | 68% | $1,027 |
| Montana | $1,589 | $2,726 | 72% | $1,137 |
| North Carolina | $1,170 | $5,563 | 375% | $4,393 |
| North Dakota | $1,123 | $2,003 | 78% | $880 |
| Nebraska | $1,287 | $2,307 | 79% | $1,020 |
| New Hampshire | $1,156 | $2,008 | 74% | $852 |
| New Jersey | $1,419 | $3,851 | 171% | $2,432 |
| New Mexico | $1,498 | $2,735 | 83% | $1,237 |
| Nevada | $1,578 | $2,489 | 58% | $911 |
| New York | $1,214 | $1,854 | 53% | $640 |
| Ohio | $959 | $1,700 | 77% | $741 |
| Oklahoma | $1,469 | $2,198 | 50% | $729 |
| Oregon | $1,325 | $2,296 | 73% | $971 |
| Pennsylvania | $1,438 | $2,330 | 62% | $892 |
| Rhode Island | $2,011 | $3,627 | 80% | $1,616 |
| South Carolina | $1,353 | $2,379 | 76% | $1,026 |
| South Dakota | $1,250 | $2,247 | 80% | $997 |
| Tennessee | $1,339 | $2,348 | 75% | $1,009 |
| Texas | $1,644 | $2,701 | 64% | $1,057 |
| Utah | $1,212 | $2,009 | 66% | $797 |
| Virginia | $993 | $1,693 | 70% | $700 |
| Vermont | $1,166 | $1,786 | 53% | $620 |
| Washington | $1,307 | $2,211 | 69% | $904 |
| Wisconsin | $1,147 | $1,794 | 56% | $647 |
| West Virginia | $1,467 | $2,767 | 89% | $1,300 |
| Wyoming | $1,577 | $2,747 | 74% | $1,170 |
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As you can see, high-risk drivers could pay up to 80 percent more 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 SR-22 form to reinstate the vehicle registration in your state.
Other Impacts on Insurance Rates
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 effect on your rates.
Therefore, the average cost of SR-22 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 SR-22 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 SR-22 form (though in some states it can be up to five years).
On the other hand, a driver required to file an SR-22 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 SR-22 insurance).
Check out these rates relating to SR-22 forms from GEICO, Progressive, Allstate, and more big-name insurance companies.
| Insurance Company | Average Annual Insurance Rates with a Clean Driving Record | Average Annual Insurance Rates with One Accident | Average Annual Insurance Rates with One DUI | Average Annual Insurance Rates with One Speeding Ticket |
|---|---|---|---|---|
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
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How much does SR-22 insurance usually cost a month? 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 effect as well. As we already noted, finding cheap SR-22 insurance is difficult, but your best bet is to shop around.
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How much is SR-22 insurance a month?
What is the average cost of SR-22 insurance? An SR-22 impact on monthly insurance payments can range from $206.39 to $387.15 depending on your provider. However, keep in mind that these are only averages and can be used as a baseline, but your personal rates may vary significantly.
| Insurance Company | Average Monthly Insurance Rates with a Clean Driving Record | Average Monthly Insurance Rates with One Accident | Average Monthly Insurance Rates with One DUI | Average Monthly Insurance Rates with One Speeding Ticket |
|---|---|---|---|---|
| USAA | $161.14 | $209.69 | $292.17 | $182.77 |
| Geico | $178.83 | $266.06 | $406.32 | $220.45 |
| American Family | $224.47 | $310.23 | $360.85 | $252.15 |
| Nationwide | $228.85 | $283.08 | $378.60 | $259.47 |
| State Farm | $235.10 | $283.00 | $303.07 | $265.50 |
| Progressive | $282.76 | $398.09 | $330.80 | $333.52 |
| Travelers | $287.31 | $357.48 | $478.45 | $355.07 |
| Farmers | $288.38 | $376.56 | $393.23 | $339.92 |
| Allstate | $318.33 | $415.64 | $521.73 | $373.63 |
| Liberty Mutual | $397.86 | $517.06 | $634.46 | $475.11 |
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SR-22 is usually more expensive because drivers who carry SR-22 forms are considered high-risk. However, as we noted earlier, the cost of filing an SR-22 with your state is relatively low.
Having a good relationship with your insurance company will not be of much help once they file an SR-22 for you. Once your driving record is blemished, your chances of getting low rates are practically gone. The average cost of SR-22 insurance will be high.
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Another thing you need to do is see if your company even offers SR-22 insurance because not every insurer does.
Your best bet is to research your state’s SR-22 filing requirements, get quotes from different auto insurers who offer SR-22 insurance, and choose the one that has the lowest price.
Frequently Asked Question: SR-22 Insurance Cost
Do you still have questions about SR22 insurance prices? Read these frequently asked questions to learn more.
What is the difference between an SR-22 and an FR- 44 form?
An FR-44 form is similar to an SR-22 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. SR-22 forms can be required regardless of the infractions that resulted in a suspension of your driving privileges.
FR-44 forms, however, are typically only required when working to reinstate your driver’s license after a DUI conviction. Additionally, only Virginia and Florida currently use FR-44s, while SR-22s 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 SR-22 insurance today.
References:
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If you have had your license suspended or been labeled a high-risk driver by your state, you may be required to obtain SR22 insurance. It may seem confusing at first, but there is no need to panic. This resource was developed to help you navigate the process and get you back on the road as quickly and affordably as possible.
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