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 and websites across the United States.

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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 as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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How SR22 Insurance Rates are Determined

Auto insurers weigh a number of factors in determining SR22 insurance rates. Policies for SR22 holders tend to be more expensive due to the high-risk nature of the driver. Drivers who hold SR22 forms are typically those with revoked or suspended licenses due to DUI or DWI convictions, too many traffic violations or accidents or being involved in an accident while uninsured. Auto insurers who offer SR22 insurance must file a SR form with the state where the policyholder resides, and the policyholder must carry the SR22 form for three years.

Auto insurance rates are determined using criteria such as credit history, driving record, length of time a person has been driving, number of convictions, traffic violations and/or accidents. Blemishes on a driver’s record increases his chances of paying higher premiums. For SR22 holders, however, the chances of higher premiums increase significantly.

If you have a DUI/DWI conviction on your driving record, you can look forward to SR22 insurance rates as much as three to five times higher than you would have had if you kept your record clean. If you lost your driver’s license due to having a lot of traffic tickets, you’ll still pay a higher premium, but roughly half as much as you would with a DUI/DWI on your record. Count on paying higher premiums for at least three years, because that is how long the law requires SR22 holders to maintain SR22 insurance. Keeping your record clear of future dents may help you get a lower premium over time, but it really depends on your insurer.

Opting to pay a higher deductible may help lower your SR22 insurance rates, as will lowering the amount of coverage if you drive an older vehicle. The impact of any current convictions or violations on your license will lessen over time, which may also help you reduce your SR22 insurance rates a little. In some states you may even be no longer required to carry an SR22 once your convictions have aged over a period of time, and your insurer can have the requirement removed from your policy, increasing your chances of a lower premium.

It is wise to check to see if your current insurer offers SR22 insurance, as well as any other insurance companies in your area. Then you go shop right from the convenience of your home computer for the best SR22 insurance rates available, and simply choose those insurer with the lowest price.