Cheap SR-22 Auto Insurance: Lowest Rates for High-Risk Drivers (2026)
Auto-Owners, Geico, and Erie offer cheap SR-22 auto insurance, with rates starting at $90 a month. Drivers with a DUI, suspended license, or other serious violation can compare rates, filing fees, discounts, and coverage options to meet state requirements for less.
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Published Insurance Expert
Melanie Musson, a published insurance expert, is the fourth generation in her family to work in the insurance industry. Over the past two decades, she has gained in-depth knowledge of state-specific insurance laws and how insurance fits into every person’s life, from budgets to coverage levels. She specializes in autonomous technology, real estate, home security, consumer analyses, investing, di...
Melanie Musson
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Scott Young
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated June 2026
The top picks for cheap SR-22 auto insurance are Auto-Owners, Geico, and Erie. Auto-Owners offers the lowest SR-22 rate at $90 per month and remains one of the most affordable options for drivers who need an SR-22 filing.
- Geico offers up to 25% off for multiple vehicles on one policy
- Nationwide’s SmartRide program can cut premiums by up to 40%
- Safe driving discounts can help reduce SR-22 costs by 10%-30%
Geico offers up to 25% off for drivers who insure more than one vehicle. Erie is known for steady pricing and gives drivers another way to save through its YourTurn program.
For drivers who need an SR-22 filing, low rates are important, but so are discounts and long-term affordability.
10 Best Companies: Cheapest SR-22 Auto Insurance| Company | Rank | Monthly Rates | Claims Satisfaction | Best for |
|---|---|---|---|---|
 | #1 | $90 | 711 / 1,000 | Low-Cost Filings |
 | #2 | $94 | 697 / 1,000 | Multi-Vehicle |
 | #3 | $96 | 743 / 1,000 | Rate Stability |
 | #4 | $100 | 716 / 1,000 | Local Agents |
 | #5 | $110 | 729 / 1,000 | Usage Based |
 | #6 | $118 | 702 / 1,000 | Driver Discounts |
 | #7 | $119 | 691 / 1,000 | Speeding Tickets |
 | #8 | $122 | 673 / 1,000 | High-Risk Drivers |
 | #9 | $127 | 690 / 1,000 | Agent Guidance |
 | #10 | $133 | 693 / 1,000 | Broad Availability |
The cost of an SR-22 can differ quite a bit from one company to another. Looking at rates, fee increases, and available discounts side by side can help you avoid paying more than necessary.
Compare cheap SR-22 car insurance rates by entering your ZIP code into our free quote tool and find coverage that fits your budget.
How High-Risk Violations Affect SR-22 Insurance Rates
Drivers may need an SR-22 after offenses such as a DUI, reckless driving, driving without insurance, multiple traffic violations, or a suspended license. Because these violations stay on a driver’s record, insurance companies often charge higher rates.
SR-22 rates can differ quite a bit from one company to another. Auto-Owners offers SR-22 coverage starting at $90 per month after a DUI, while Geico and Erie also rank among the more affordable choices for drivers who need a filing.
This shows how much rates can change after a DUI, one of the most common reasons drivers need an SR-22. The General has the largest increase in this comparison, with premiums rising by $68 per month after a DUI.
An SR-22 is a form filed with the state showing that a driver carries the required liability coverage after certain violations. It does not provide coverage on its own, and premiums can differ considerably from one insurer to another.
Auto Insurance Monthly Rates Before & After a DUI| Company | Clean Record | After DUI | Increase |
|---|---|---|---|
| $78 | $133 | $55 |
| $69 | $118 | $49 |
| $52 | $90 | $38 |
| $56 | $96 | $40 |
| $55 | $94 | $39 |
| $64 | $110 | $46 |
| $71 | $122 | $51 |
| $59 | $100 | $41 |
 | $94 | $162 | $68 |
| $70 | $119 | $49 |
Comparing quotes matters after any SR-22-related violation, not just a DUI. The difference between insurers can add up to hundreds of dollars per year for drivers with similar records and coverage levels.
Drivers looking for the lowest SR-22 insurance rates should compare several companies, since each insurer weighs violations, location, age, and coverage history differently.
Shop Now: Cheap Auto Insurance for High-Risk Drivers
SR-22 Rates by Driving Record
Drivers searching for cheap SR-22 auto insurance near me can see rate differences based on driving history. Even one violation can lead to higher premiums, making quote comparisons.
Those with clean records get the best auto insurance for good drivers. Auto-Owners offers SR-22 rates starting at $90 per month after a DUI. Geico, Erie, and State Farm also offer competitive rates.
Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $78 | $105 | $133 | $94 |
| $69 | $93 | $118 | $84 |
| $52 | $71 | $90 | $63 |
| $56 | $76 | $96 | $68 |
| $74 | $100 | $127 | $90 |
| $55 | $74 | $94 | $66 |
| $64 | $87 | $110 | $78 |
| $71 | $96 | $122 | $86 |
| $59 | $80 | $100 | $71 |
| $70 | $94 | $119 | $83 |
Geico SR-22 and State Farm SR-22 both offer SR-22 coverage, but rates and discounts can differ depending on the driver. A DUI usually has the biggest effect on premiums, while a speeding ticket tends to result in a smaller increase.
The difference between companies can be substantial, especially for drivers who need an SR-22 filing, which is why comparing quotes from multiple insurers is one of the best ways to avoid paying more than necessary after a violation.
If you need an SR-22 after a DUI or license issue, compare quotes from several insurers. The difference in rates and available discounts can save you hundreds of dollars each year.
Michelle Robbins Licensed Insurance Agent
This is particularly true for drivers seeking SR-22 insurance without a vehicle or SR-22 insurance for non-car owners, since pricing can vary significantly between insurers.
Non-owner SR-22 policies can also vary in cost and coverage, making it worthwhile to compare several options before choosing a policy.
How Credit Scores Affect SR-22 Rates
Credit scores can affect SR-22 rates. Auto-Owners starts at $90 per month, while Geico, Erie, and State Farm remain competitive across different credit levels.
Drivers with poor credit often see larger rate increases from Allstate and Farmers. Because premiums can rise well above the average cost of auto insurance, comparing quotes from multiple companies can lead to significant savings.
SR-22 Auto Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (< 580) |
|---|---|---|---|---|
| $133 | $160 | $193 | $239 |
| $118 | $142 | $171 | $212 |
| $90 | $108 | $131 | $162 |
| $96 | $115 | $139 | $173 |
| $127 | $152 | $184 | $229 |
| $94 | $113 | $137 | $170 |
| $110 | $132 | $160 | $198 |
| $122 | $146 | $177 | $220 |
| $100 | $120 | $145 | $180 |
| $119 | $143 | $173 | $215 |
A poor credit score can add more than $100 per month to SR-22 coverage. Finding cheap SR-22 insurance often means comparing quotes from several companies, especially after a DUI or other violation.
Comparing quotes can help drivers with lower credit scores find better rates. Prices for non-owner SR-22 coverage vary by insurer, and many companies now offer cheap SR-22 insurance online to make shopping and comparing policies easier.
SR-22 Rates by Age and Gender
Younger drivers face the highest SR-22 rates, with 18-year-old males paying up to $211 per month for minimum coverage and $474 for full coverage. These costs often lead drivers to compare options for the best auto insurance for young adults.
Rates usually decrease with age. By age 60, minimum coverage averages $88 per month for women and $95 for men, while full coverage stays below $215 per month for both.
Women maintain slightly lower rates than men across every age group, but the differences are relatively modest compared to the savings that come with age and driving experience.
SR-22 drivers can often lower costs by comparing rates at renewal. Some insurers offer non-owner SR-22 insurance online with free quotes, making it easier to shop for coverage.
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How to Save Money on SR-22 Car Insurance
SR-22 coverage often costs more than a standard policy. A few simple steps can help lower SR-22 costs after a DUI or license suspension.
These strategies are among the most effective tips for reducing SR-22 insurance rates over time:
- Choose a Higher Deductible: Raising your deductible can reduce your monthly payment, though you’ll pay more out of pocket if you file a claim.
- Compare Quotes From Multiple Insurers: Rates for SR-22 drivers can vary between companies, and comparison shopping is one of the most effective ways to find a premium.
- Complete a Defensive Driving Course: Many insurers offer discounts to drivers who successfully complete an approved safe-driving program.
- Improve Your Credit Score: In states where insurers use credit-based insurance scores, improving your credit may help you qualify for lower rates over time.
- Maintain Continuous Coverage: Avoiding lapses in coverage can help prevent additional penalties, higher rates, and potential issues with your SR-22 filing.
Compare quotes from several insurers, keep your coverage active, and take advantage of telematics programs. Requesting cheap SR-22 insurance quotes from multiple insurers can help identify discounts that may not appear in a single quote.
These steps can help lower SR-22 costs and uncover discounts you might otherwise miss. SR-22 coverage costs more, but discounts can help offset the increase.
Top Auto Insurance Discounts for SR-22 Drivers| Company | Bundling | Defensive Driver | Multi-Vehicle | Usage-Based |
|---|---|---|---|---|
| 25% | 10% | 10% | 30% |
| 25% | 5% | 23% | 35% |
| 16% | 5% | 10% | 30% |
| 25% | 5% | 10% | 30% |
| 20% | 10% | 12% | 30% |
| 25% | 15% | 25% | 25% |
| 20% | 10% | 15% | 40% |
| 10% | 30% | 12% | 30% |
| 17% | 15% | 20% | 30% |
| 13% | 20% | 8% | 30% |
Bundling policies may lower rates by up to 25%, while Nationwide’s SmartRide program offers savings of up to 40% for safe drivers.
Geico stands out for its multi-vehicle discount at 25%, while Progressive offers one of the strongest defensive driving discounts at 30%.
Since eligibility rules vary by company, it’s worth asking about every discount available when shopping for SR-22 coverage.
Combining multiple discounts can make a meaningful difference in monthly costs and help high-risk drivers find more affordable insurance without reducing coverage.
Read More: 26 Hacks to Save Money on Auto Insurance
Best Discount Programs for SR-22 Drivers
Usage-based insurance auto insurance programs can be especially valuable for SR-22 drivers who are trying to offset higher premiums after a DUI or other serious violation.
These programs track driving habits through a mobile app or device and reward safer behavior with discounts at renewal.
Top Usage-Based Auto Insurance (UBI) Programs| Company | Program | Savings | System |
|---|---|---|---|
| Drivewise | 40% | Mobile App |
| DriveMyWay | 35% | Mobile App |
| TrueRide | 30% | Mobile App |
| YourTurn | 30% | Mobile App |
 | RightTrack | 30% | Plug-in Device |
| SmartRide | 40% | App or Device |
| Snapshot | 30% | Mobile App |
| Drive Safe & Save | 30% | App or Device |
 | TrueLane | 40% | Mobile App |
| IntelliDrive | 30% | Mobile App |
Allstate’s Drivewise and Nationwide’s SmartRide offer discounts of up to 40%. Auto-Owners, Erie, Progressive, State Farm, and Travelers offer savings of up to 30%.
Since SR-22 coverage often comes with higher-than-average rates, these programs can be one of the most effective ways to reduce insurance costs without lowering coverage limits.
State SR-22 Filing Rules Explained
SR-22 requirements vary by state, which is why the cheapest SR-22 insurance company in one state may not offer the best value in another. Filing periods and auto insurance requirements by state also differ.
Many drivers keep an SR-22 on file for about three years, although the requirement can last longer depending on the violation and state regulations.
Understanding your state’s filing rules can help you avoid unexpected penalties and identify the most affordable coverage options available.
Some states use alternative forms instead of an SR-22. When comparing SR-22 vs. FR-44 auto insurance, it is important to know that Florida and Virginia often require an FR-44 for DUI-related offenses because it carries higher liability limits than a standard SR-22.
Some states use forms such as SR-50, SR-21, or SR-22A instead of an SR-22. Filing fees are usually low, but insurance premiums often increase after a DUI, DWI, license suspension, or uninsured driving violation.
Understanding the difference between DUI vs. DWI laws in your state can help you determine when an SR-22 or other filing may be required.
Keeping continuous coverage and comparing multiple SR-22 quotes can be one of the easiest ways to avoid higher rates and find better savings after a violation.
Daniel Young Managing Editor
Most insurers charge a filing fee when they submit the SR-22 to the state. Missing a payment or letting coverage lapse before the filing period ends can lead to license suspension, reinstatement fees, and additional filing requirements.
Once your policy is active, your insurer files the SR-22 or FR-44 with the state. Keeping coverage in place for the full filing period helps you avoid penalties and maintain your driving privileges.
Why Keeping Continuous SR-22 Coverage Matters
An SR-22 filing comes with strict requirements, and allowing your policy to lapse can create additional problems.
In most states, your insurance company must notify the state if coverage ends before the required filing period is complete. That notice can lead to a suspended license, reinstatement fees, and a new SR-22 filing requirement.
Drivers may also face higher insurance costs when they buy a new policy after a lapse. This is especially common after a DUI, license suspension, or a conviction for driving without auto insurance.
Learn more about the penalties associated with driving without auto insurance. Keeping coverage active until the filing requirement ends helps you avoid extra penalties and maintain your driving privileges.
What Is SR-22 Insurance and Who Needs It?
An SR-22 is a form your insurance company files with the state to show that you carry the required auto liability coverage. It is not a separate insurance policy, and it does not provide additional coverage.
A court or state agency may require an SR-22 after a DUI, an uninsured driving violation, a suspended license, or another serious offense. The length of the requirement depends on where you live, but many drivers need to keep the filing in place for several years.
Many drivers who need an SR-22 also need high-risk auto insurance because insurers view these violations as a greater risk.
Drivers who need an SR-22 are often classified as higher risk, and that usually leads to higher premiums. Learning how to get SR-22 insurance and comparing several companies can help you find coverage that meets state requirements at a lower cost.
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The Cheapest SR-22 Auto Insurance Companies
The cheapest SR-22 insurance companies can help high-risk drivers meet state filing requirements at a lower cost. To identify the cheapest SR-22 insurance companies, we compared rates, discounts, and filing options across major insurers.
State Farm, Progressive, Geico, Allstate, and Nationwide are major SR-22 providers. Their broad coverage makes them popular choices for SR-22 insurance.
Many insurers offer discounts that can help lower SR-22 costs. Our review of how we chose the cheap SR-22 auto insurance companies focused on affordability, financial strength, customer satisfaction, and value.
Rates vary by location, driving history, age, and credit score. Comparing quotes is often the best way to find lower SR-22 rates from the providers ranked below.
#1 – Auto-Owners: Top Overall Pick
Pros
- Affordable Across Credit Tiers: SR-22 rates range from $90 to $162 per month, and our Auto-Owners insurance review found competitive pricing across credit levels.
- Lowest SR-22 Rate: Auto-Owners has the lowest SR-22 rate in this ranking, starting at $90 per month after a DUI.
- Smaller DUI Surcharge: Auto-Owners raises rates by $38 per month after a DUI, which is a smaller jump than most companies in this comparison.
Cons
- Agent-Based Sales: Most policies require working with an independent agent rather than completing the entire process online.
- Limited Availability: Auto-Owners does not operate nationwide, which may limit access to cheap SR-22 auto insurance in some states.
#2 – Geico: Best for Multiple Vehicles
Pros
- Competitive SR-22 Pricing: Geico costs about $94 per month after a DUI, which keeps it near the lower end of the companies in this ranking.
- Low Ticket Rates: Geico is also reasonable after a speeding ticket, with rates around $66 per month.
- Strong Multi-Vehicle Discount: Drivers who insure more than one vehicle can save up to 25%. Find more ways to lower costs in our guide: Geico Insurance Review
Cons
- Limited In-Person Support: Geico may not be the best fit for drivers who want regular help from a local agent.
- Lower Telematics Savings: DriveEasy discounts may not match the savings available through some competing programs.
#3 – Erie: Best for Rate Stability
Pros
- Affordable DUI Rates: Erie offers cheap SR-22 auto insurance at about $96 per month after a DUI, keeping costs lower than many national competitors.
- Safe Driver Savings: The YourTurn program can reward safe driving habits with discounts of up to 30%, a feature that stands out in Erie insurance review comparisons.
- Stable Credit Pricing: Monthly SR-22 rates range from $96 with excellent credit to $173 with poor credit, one of the smaller pricing gaps in this comparison.
Cons
- Fewer Digital Features: Online policy management tools are not as extensive as those offered by some larger insurers.
- Limited State Availability: Erie is only available in select states, making coverage unavailable to many SR-22 drivers.
#4 – State Farm: Best for Local Agents
Pros
- Competitive SR-22 Rates: State Farm starts at $100 per month after a DUI, which keeps it within range of the lower-priced SR-22 options in this ranking.
- Drive Safe & Save Discounts: Drivers who qualify for State Farm’s Drive Safe & Save program may be able to lower their rate based on their driving habits.
- Extensive Agent Network: Local agents can help drivers file and maintain SR-22 forms while avoiding compliance issues.
Cons
- Higher Rates Than Top Competitors: SR-22 premiums are higher than Auto-Owners, Geico, and Erie after a DUI.
- Smaller Bundling Savings: Bundling discounts are lower than those offered by insurers, which can be a consideration for drivers reading a State Farm auto insurance review.
#5 – Nationwide: Best for Usage-Based Savings
Pros
- Largest UBI Discount: Nationwide’s SmartRide program offers up to 40% off, which is the largest usage-based discount listed in this comparison.
- Strong Credit-Based Rates: Drivers with excellent credit can find Nationwide SR-22 coverage at about $110 per month.
- Multiple Discount Options: Nationwide combines bundling, safe-driving, and multi-vehicle discounts to help reduce SR-22 costs.
Cons
- Higher DUI Pricing: SR-22 rates after a DUI are higher than those of several top-ranked providers.
- State Availability Varies: Coverage options and discounts may differ depending on where you live, which is worth considering when reading a Nationwide auto insurance review.
#6 – American Family: Best for Driver Discounts
Pros
- Affordable DUI Rates: American Family costs about $118 per month after a DUI, keeping it below several higher-priced SR-22 providers.
- Competitive Discounts: Bundling policies saves 25%, and insuring multiple vehicles can reduce premiums by up to 23%.
- Costco Membership Perks: SR-22 drivers with Costco memberships get exclusive savings and lower rates.
Cons
- Lower Defensive Driving Savings: Defensive driving discounts top out at 5%, which is lower than those of many competitors.
- Regional Availability: American Family operates in fewer states than national insurers. See More: American Family Insurance Review
#7 – Travelers: Best for Speeding Tickets
Pros
- Affordable Ticket Rates: Travelers maintains competitive pricing after a speeding ticket, with rates around $83 per month.
- IntelliDrive Savings: Safe driving habits can lead to additional discounts through Travelers’ telematics program.
- Large Defensive Driving Discount: Eligible drivers can save up to 20% after completing a qualifying defensive driving course.
Cons
- Higher DUI Costs: SR-22 coverage after a DUI starts around $119 per month, which is higher than several competitors.
- Smaller Multi-Vehicle Discount: Travelers auto insurance offers less multi-car savings than many insurers in this ranking.
#8 – Progressive: Best for High-Risk Drivers
Pros
- High-Risk Driver Focus: Progressive routinely insures drivers who need SR-22 filings after DUI convictions and other major violations.
- Snapshot Rewards Safe Driving: Safe driving behavior can help offset some of the added cost of SR-22 coverage.
- Strong Defensive Driving Savings: Drivers may qualify for discounts of up to 30%, the highest percentage in this comparison.
Cons
- Higher SR-22 Rates: DUI-related SR-22 coverage starts at approximately $122 per month.
- Lower Bundling Discount: Many Progressive auto insurance reviews show that bundling savings are limited compared to those offered by several competing insurers.
#9 – Farmers: Best for Agent Guidance
- Flexible Coverage Choices: Drivers can customize coverage levels with the help of a local agent to meet state-specific SR-22 filing requirements.
- Multiple Discount Opportunities: Farmers offers savings through bundling, defensive driving, and usage-based programs.
- Signal Program Benefits: Safe drivers can reduce costs through Farmers’ telematics program.
Cons
- Higher DUI Cost: Farmers starts around $127 per month for SR-22 coverage after a DUI, which puts it above several companies on this list.
- Credit Can Raise Rates: Farmers become more expensive for drivers with lower credit scores. Compare Rates Now: Farmers Insurance Review
#10 – Allstate: Best for Broad Availability
Pros
- Broad Availability: Allstate auto insurance offers SR-22 filings in most states that require them.
- Drivewise Savings: Drivers who maintain safe habits can earn discounts of up to 30% through Drivewise.
- Strong Bundling Discount: Combining policies can reduce premiums by as much as 25%.
Cons
- Highest SR-22 Rates: Coverage starts at approximately $133 per month after a DUI, making it the most expensive provider in this ranking.
- Large Credit-Based Increases: Drivers with poor credit may pay as much as $239 per month for SR-22 coverage.
Get the Best Rates on Your SR-22 Coverage
Cheap SR-22 auto insurance does not have to mean settling for the first policy you find or paying more than necessary.
Auto-Owners is the strongest starting point, especially with rates from $52 per month and post-DUI coverage at $90 per month, but Geico and Erie are also worth comparing for their lower rate increases and discount options.
The cost of SR-22 insurance can vary widely after a violation, so reviewing rates, discounts, and filing options from several companies can help drivers avoid paying more than necessary.
Jeff Root Licensed Insurance Agent
Drivers who qualify for safe-driving, multi-vehicle, or usage-based discounts may be able to offset some of the added cost that comes with an SR-22 filing.
Coverage and rates can vary from one insurer to the next, even for drivers with similar records. The cost of SR-22 insurance often comes down to factors such as the violation on your record, where you live, and the insurer you choose.
Since SR-22 costs can change by violation, credit score, age, state, and insurer, the best move is to compare several quotes before buying auto insurance.
Drivers should remember that the SR-22 filing itself is not a policy. You must still maintain active coverage and keep any required proof of car insurance besides the SR-22 to remain compliant with state requirements.
Find cheap SR-22 auto insurance by entering your ZIP code and comparing rates from companies offering the lowest premiums for high-risk drivers.
Frequently Asked Questions
What is an SR-22?
An SR-22 is a certificate filed by an insurance company that confirms a driver carries the minimum liability insurance required by the state. It is commonly required after violations such as DUI convictions, uninsured driving incidents, or license suspensions.
How much is an SR-22 for insurance?
An SR-22 filing itself is usually inexpensive, with most insurers charging a one-time filing fee of about $15 to $50. The larger expense comes from the violation that triggered the SR-22 requirement, which can increase your auto insurance premiums for several years depending on your driving record, state, and insurer.
Who has the cheapest SR-22 auto insurance?
Auto-Owners has the cheapest SR-22 auto insurance in this comparison, with rates starting at $90 per month after a DUI. Geico and Erie also offer some of the lowest SR-22 rates, making them strong options for drivers looking for the cheapest car insurance available after a violation while meeting state filing requirements.
Can I lower my SR-22 insurance rates after a DUI?
Drivers can often lower SR-22 costs by shopping around, keeping violations off their record, and taking advantage of available discounts. Bundling policies or enrolling in a driving-monitoring program may also help reduce premiums.
What is a non-owner SR-22 insurance policy?
A non-owner SR-22 policy provides liability coverage for drivers who need an SR-22 but do not own a vehicle. It allows eligible drivers to satisfy state requirements while maintaining driving privileges.
Avoid overpaying for coverage by entering your ZIP code to compare cheap SR-22 auto insurance rates from companies in your area.
What if I need an SR-22 and don’t have a car?
Drivers who do not own a vehicle can often purchase a non-owner SR-22 insurance policy. This type of coverage provides liability protection when driving borrowed or rented vehicles and may be a practical option for those who need the best auto insurance for leased vehicles or to meet state filing requirements without owning a car.
Is there a fee associated with an SR-22?
Yes. Insurers usually charge a separate fee to file an SR-22 with the state, often between $15 and $50. The larger expense is the rate increase that often follows the violation requiring the filing.
How long is the SR-22 valid?
An SR-22 remains valid as long as the underlying insurance policy stays active and the driver continues meeting state requirements. Most states require drivers to maintain the filing for one to five years, depending on the offense.
Is there a difference between the SR-22 and the FR-44 form?
Yes. Both forms verify that a driver carries the required liability coverage, but an FR-44 typically requires higher coverage limits than an SR-22. FR-44 auto insurance is commonly required in Florida and Virginia after serious offenses such as a DUI, while SR-22 filings are used in many other states for a wider range of driving violations.
Does an SR-22 require a defensive driving course?
An SR-22 filing does not automatically require a defensive driving course. However, some courts or state agencies may require course completion depending on the violation. Completing a defensive driving course may also help drivers qualify for additional insurance discounts.
Enter your ZIP code to compare cheap SR-22 auto insurance rates and see which companies offer the lowest prices in your area.
What is the average cost of an SR-22 in Texas?
What is the cheapest SR-22 insurance in Florida?
Does Tennessee require SR-22 insurance?
What is the minimum coverage for SR-22 in California?
How long do you need SR-22 insurance in Colorado?
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