Cheap SR-22 Insurance by State
Bottom line: Where you live can swing your SR-22 price by thousands of dollars a year. Start with your state's page for local savings tips.
Pick your state for price ranges, minimum limits, filing length and state-specific ways to save. Price levels compare each state with the national average, based on published industry rate studies.
| State | Price level | Minimum limits | SR-22 length |
|---|---|---|---|
| Alabama | Average cost | 25/50/25 | About 3 years |
| Alaska | Average cost | 50/100/25 | 3 to 5 years |
| Arizona | Average cost | 25/50/15 | About 3 years |
| Arkansas | Average cost | 25/50/25 | About 3 years |
| California | Among the priciest | 30/60/15 | About 3 years |
| Colorado | Above average | 25/50/15 | About 3 years |
| Connecticut | Above average | 25/50/25 | Up to 3 years |
| Washington, D.C. | Above average | 25/50/10 | About 3 years |
| Florida | Among the priciest | 10/20/10 (SR-22); 100/300/50 (FR-44) | About 3 years |
| Georgia | Above average | 25/50/25 | About 3 years |
| Hawaii | Lower cost | 20/40/10 plus PIP | About 3 years |
| Idaho | Lower cost | 25/50/15 | 1 to 3 years |
| Illinois | Average cost | 25/50/20 | About 3 years |
| Indiana | Lower cost | 25/50/25 | 3 to 5 years |
| Iowa | Lower cost | 20/40/15 | About 2 years |
| Kansas | Average cost | 25/50/25 plus PIP | 1 to 3 years |
| Louisiana | Among the priciest | 15/30/25 | About 3 years |
| Maine | Lower cost | 50/100/25 plus MedPay | About 3 years |
| Mississippi | Average cost | 25/50/25 | About 3 years |
| Missouri | Average cost | 25/50/25 | About 2 years |
| Montana | Average cost | 25/50/20 | About 3 years |
| Nebraska | Lower cost | 25/50/25 | About 3 years |
| Nevada | Above average | 25/50/20 | About 3 years |
| New Hampshire | Lower cost | 25/50/25 | About 3 years |
| New Mexico | Average cost | 25/50/10 | About 3 years (varies) |
| North Dakota | Lower cost | 25/50/25 plus PIP | 1 to 3 years |
| Ohio | Lower cost | 25/50/25 | 3 to 5 years |
| Oregon | Average cost | 25/50/20 plus PIP | About 3 years |
| Rhode Island | Above average | 25/50/25 | About 3 years |
| South Carolina | Average cost | 25/50/25 | About 3 years |
| South Dakota | Lower cost | 25/50/25 | About 3 years |
| Tennessee | Average cost | 25/50/25 | 3 to 5 years |
| Texas | Average cost | 30/60/25 | About 2 years |
| Utah | Average cost | 25/65/15 plus PIP | About 3 years |
| Vermont | Lower cost | 25/50/10 | About 3 years |
| Virginia | Average cost | 50/100/25 (SR-22); 100/200/50 (FR-44) | About 3 years |
| Washington | Average cost | 25/50/10 | About 3 years |
| West Virginia | Average cost | 25/50/25 | About 3 years (varies) |
| Wisconsin | Lower cost | 25/50/10 | About 3 years |
| Wyoming | Lower cost | 25/50/20 | About 3 years |
States without SR-22s
New York, Pennsylvania, North Carolina and Minnesota don't use the SR-22. Delaware, Kentucky, Maryland, Massachusetts, Michigan, New Jersey and Oklahoma rarely require it from their own drivers. If another state ordered your SR-22, you still need an insurer that files there.