How Much Is SR-22 Insurance?
Prices reviewed 2026-11-13
"SR-22 insurance" is regular car insurance with an SR-22 certificate attached. The form itself is cheap. What raises your price is the violation that triggered it. Here's what drivers typically pay.
Typical SR-22 prices by violation
| Reason for the SR-22 | Minimum coverage (per month) | Full coverage (per month) |
|---|---|---|
| Lapse or no-insurance ticket | $65 to $110 | $150 to $230 |
| Points or license suspension | $70 to $120 | $160 to $250 |
| At-fault accident while uninsured | $85 to $150 | $190 to $290 |
| DUI or DWI | $110 to $190 | $220 to $320 |
| Hit-and-run or multiple majors | $140 to $230 | $280 to $420 |
Ranges summarize published 2025 to 2026 industry rate studies for a typical adult driver. They are not quotes.
Prices by driver type
- No car (non-owner): about $35 to $80 a month. Learn more.
- Under 25: often 40% to 90% more than the figures above. Ways to save.
- FR-44 (Florida and Virginia DUIs): the highest prices, because of the much higher required limits. See FR-44 costs.
The SR-22 filing fee
Insurers typically charge a one-time fee of about $15 to $50 to file the form, and some charge it again at each renewal. The state charges a separate license reinstatement fee.
Why prices vary so much
Every insurer weighs violations differently. One may treat your lapse as minor, while another prices it close to a DUI. Studies regularly find the cheapest and most expensive quotes for the same SR-22 driver several hundred dollars a year apart. That's why comparing quotes beats any single "average."
Price questions
How much does an SR-22 cost per year?
For minimum coverage on a car you own, roughly $900 to $1,750 a year for most violations, and more after a DUI. Non-owner SR-22 policies often run $450 to $950 a year.
Is the SR-22 itself expensive?
No. The form is usually a one-time fee under $50. The violation behind it drives the price.
Do I pay the SR-22 fee every month?
No. It's typically charged once, or once per policy term, not monthly.