Is It Possible to Find Cheap SR22 Insurance?

Last Updated on December 11, 2025

An SR-22 is a certificate of financial responsibility required by many states after certain driving violations. You may need one if you’re caught driving without liability insurance, if you cause an accident while uninsured, or if you’re working to reinstate driving privileges after a DUI or similar offense. The SR-22 itself is not insurance; it’s a filing your insurer submits to your state proving that you maintain the required minimum coverage.

The challenge for many drivers is that SR-22 insurance can be expensive—sometimes much more than a standard policy. The good news is that with the right strategies, it is possible to find cheaper SR-22 insurance, reduce long-term costs, and eventually remove the SR-22 requirement from your policy.

Key Takeaways

• Yes, you can find cheap SR-22 insurance by comparison shopping, asking your insurer, and seeking referrals.
• An SR-22 is a financial responsibility filing—not a type of insurance policy.
• Filing fees are small, but premiums increase based on the violation that caused the need for an SR-22.
• Most states require SR-22 filings for serious violations, but eight states do not use SR-22 forms at all.

What Is an SR-22 Form? Who Needs It?

An SR-22 is a document your insurer files with your state’s DMV to show that you carry at least the minimum required liability coverage. It’s often required for drivers categorized as “high-risk”, including those who:

• Were caught driving without insurance
• Were convicted of a DUI or DWI
• Had multiple traffic violations in a short period
• Need to reinstate a suspended or revoked license

While the SR-22 is just a form, the need for it places you in a higher risk category—often resulting in higher premiums until your driving record improves.

Finding Cheap SR-22 Insurance

Needing an SR-22 can feel overwhelming, but it doesn’t mean you’re stuck with sky-high rates forever. With the right approach, you can lower your costs and make the process much more manageable.

Three Tips for Finding Cheap SR-22 Insurance Rates

#1. Call your auto insurance company first

Your current insurer may be able to file the SR-22 quickly and easily. Major companies such as Allstate, GEICO, The General, Farmers, State Farm, Nationwide, USAA, Liberty Mutual, AAA, and Progressive commonly handle SR-22 filings. Staying with your current company may save you time and prevent the need to switch insurers.

See which companies offer SR-22 insurance in your state:

#2. Use a car insurance quote comparison tool

Many car insurance comparison sites can pull SR-22-specific quotes. Because SR-22 pricing varies dramatically between providers, comparing multiple quotes is one of the fastest ways to find affordable coverage. Treat the process the same way you would when shopping for standard auto insurance—only now, price differences may be even more dramatic.

#3. Ask driver safety schools for referrals

States often require certain drivers to complete defensive driving or remedial courses. These schools frequently maintain relationships with insurers who specialize in high-risk coverage and SR-22 filings. Contacting a local driver safety school may help you find a company that offers cheaper SR-22 options. Some schools may charge a referral fee, but the savings are often worth it.

How Much Does an SR-22 Filing Cost?

Although the insurance premium may rise, the actual SR-22 filing fee is relatively small.

• Most insurers charge around $25 to file the form.
• Your premium may increase depending on why you need the SR-22—for example, after a DUI or at-fault accident.
• Some states require you to pay your premium in full if an SR-22 is attached to the policy.

How Long Do You Need an SR-22?

In most states, SR-22 requirements last for about three years. After that period—and assuming you maintain continuous coverage—you can request that your insurance company remove the filing. Most violations that triggered the SR-22 requirement will also age off your driving record within this timeframe.

Do You Need to Buy SR-22 Insurance?

Not all states use SR-22 forms. The following states do not require SR-22 filings:

• Delaware
• Kentucky
• Minnesota
• New Mexico
• New York
• North Carolina
• Oklahoma
• Pennsylvania

All other states require SR-22s under certain conditions, typically involving:

• DWI or DUI
• Driving without insurance
• Multiple traffic violations
• License suspension or revocation

If a judge or DMV mandates an SR-22, you must carry it for the required period to maintain or regain your driving privileges.

FAQs on Finding Cheap SR-22 Insurance

Final Word

Needing an SR-22 can feel stressful, but it doesn’t have to break the bank. By contacting your current insurer, comparing multiple quotes, and exploring referrals from safety programs, you can often find a policy that fits your budget. Remember, SR-22 requirements don’t last forever. Maintain safe driving habits, pay your premium on time, and in a few years, the SR-22 will be a thing of the past.

Keep your head up—SR-22 insurance is temporary, and with smart shopping, you can keep costs under control until it’s behind you.