Average Cost of SR-22 Insurance
The average cost of SR-22 insurance is $230/month, but your rates depend on the state and which company provides your insurance coverage. Even with SR-22, you could be eligible for discounts that can save you hundreds of dollars per year.
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Written by
Elijah Black |
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Reviewed by
Rachael Brennan
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UPDATED: Jun 22, 2022
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- 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
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.
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.
Table of Contents
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.
State Average Monthly Auto Insurance Rates Average Monthly Insurance Rates w/ SR-22 Percent Increase Dollar Increase
Alabama $109 $206 89% $97
Alaska $104 $162 56% $58
Arizona $117 $298 156% $182
Arkansas $130 $228 76% $98
California $149 $427 187% $278
Colorado $140 $249 79% $110
Connecticut $165 $259 57% $94
DC $157 $245 56% $88
Delaware $153 $294 92% $141
Florida $188 $315 68% $128
Georgia $151 $282 86% $130
Hawaii $105 $372 256% $267
Idaho $85 $150 77% $65
Illinois $98 $185 89% $87
Indiana $88 $130 48% $42
Iowa $89 $160 78% $70
Kansas $118 $193 64% $75
Kentucky $134 $226 68% $92
Louisiana $186 $301 62% $115
Maine $74 $111 51% $37
Maryland $128 $169 31% $40
Massachusetts $135 $267 98% $132
Michigan $197 $694 252% $496
Minnesota $112 $218 95% $106
Mississippi $125 $211 68% $86
Missouri $107 $186 74% $79
Montana $132 $227 72% $95
Nebraska $107 $192 79% $85
Nevada $132 $207 58% $76
New Hampshire $96 $167 74% $71
New Jersey $118 $321 171% $203
New Mexico $125 $228 83% $103
New York $101 $155 53% $53
North Carolina $98 $464 375% $366
North Dakota $94 $167 78% $73
Ohio $80 $142 77% $62
Oklahoma $122 $183 50% $61
Oregon $110 $191 73% $81
Pennsylvania $120 $194 62% $74
Rhode Island $168 $302 80% $135
South Carolina $113 $198 76% $86
South Dakota $104 $187 80% $83
Tennessee $112 $196 75% $84
Texas $137 $225 64% $88
Utah $101 $167 66% $66
Vermont $97 $149 53% $52
Virginia $83 $141 70% $58
Washington $109 $184 69% $75
West Virginia $122 $231 89% $108
Wisconsin $96 $150 56% $54
Wyoming $131 $229 74% $98
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.
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.
Companies Monthly SR-22 Insurance Rates Estimated 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
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.
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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.
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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.