How Much Does SR22 Insurance Cost A Month (2021)
Only drivers who get popped for a DUI will be asked to add an SR-22.
SR-22 is the name of the form your Department of Motor Vehicles asks you to add to your car insurance, it is not actually a type of insurance.
If you are convicted of Driving Under the Influence, your car insurance will get a lot more expensive.
Have you heard of SR22 insurance before? If you have a clean driving record then you probably haven’t.
But if you’ve made a reckless driving decision, such as driving under the influence, then it’s likely you are more familiar with SR22 insurance.
SR22 insurance is usually required in order to continue driving legally in your state.
If your caught while driving with your blood alcohol level over the legal limit, your car insurance just got a lot more expensive.
SR22 coverage isn’t actually insurance itself, but rather a document provided by your insurance carrier proving that you have auto insurance.
This form is required by your state to prove you have the proper amount of liability coverage.
It is also sometimes referred to as a CRF, or Certificate of Financial Responsibility.
If you live in the state of Florida or Virginia your state may require what’s referred to as a FR44 instead of a SR22.
You may be wondering, 'How much does SR22 car insurance cost per month?'
We will address the cost of SR22, how to get it, and how long it takes to put into place.
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These states don’t require the SR22 but have their own form and insurance requirements:
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Repeat Offender SR22 Car Insurance Laws
Non-Owner SR22 Car Insurance: If you don’t own a car, but need to file an SR22 with the state in order to keep your drivers license, you can buy one of these very affordable policies.
What Does SR22 Insurance Cover?
If you are required by your state to file a SR22 form it’s likely because of one of the following reasons:
What you need a SR22 for varies by state and how stringent their rules are.
The SR22 will allow you to keep your license and registration and is typically required for at least 3 years, but sometimes is required for up to 5 years.
The liability coverage may be the same as state minimum liability requirements or it may be higher, depending on the state.
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Where & How Do You Get SR22 Insurance?
In order to obtain SR22 insurance, you can click on one of the links on this page and complete the quote form.
Upon completion, you will have the opportunity to get a SR22 insurance letter.
Or you can contact your current insurance provider.
If they don’t offer the option to file a SR22 or you aren’t currently insured, then you will have to find an insurance company you can purchase insurance through that also has the option to file a SR22.
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If you’re unsure, a quick search online can let you know if your company can file a SR22 on your behalf.
Most major insurance companies provide SR22 including Progressive, Farmers, Geico, Allstate, State Farm, and Nationwide.
Info Needed to Get SR22 Coverage?
The insurance provider that you obtain your SR22 insurance through will need your driver’s license or other identification number.
Depending on the state there may be additional information required as well.
How Long Does it Take to Notify the DMV?
Insurance companies can typically file and submit the SR22 forms within the same day to your state’s department of motor vehicles, but it’s possible that it may take up to 30 days to be filed.
If you’re unsure whether the form has been filed you can call your state’s department of motor vehicles, public safety, or driver and vehicle services or check with your insurance provider to verify.
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Want to save money?
If you got your DUI three years ago, try shopping around with Progressive Insurance Company. They only look at the past three years of your driving record. Other companies look at 10 years.
If you don’t currently have car insurance and are applying online, you will have to answer a question on whether you need a Certificate of Financial Responsibility (CRF) or SR-22?
When you answer “yes” the company will file the SR22 for you after you complete purchasing car insurance.
Your insurer will send you a copy of your SR22 but it will also be filed electronically so that it can be referenced if needed by the department of motor services or law enforcement officials.
How to Buy SR22 Non-Owner Car Insurance?
When you get a DUI, car insurance is going to become really expensive.
You will need to continue to provide the SR22 to the DMV, even if you sell your car.
Hence the name: non owner car insurance. You are a non owner, but still have car insurance.
You can go to a company like Progressive and buy a NonOwner SR22 Car Insurance Policy.
This car insurance policy will provide you with liability coverage for any vehicle you drive, but do not own.
These policies are usually a lot less expensive than regular car insurance policies.
They are less expensive because the car insurance company assumes you don’t drive very often.
They will file the SR22 with your state’s Department of Motor Vehicles and you won’t lose your drivers license.
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What Is An SR22 Insurance Form?
A SR22 insurance form proves you carry auto liability insurance.
It is not insurance itself, but rather a form that indicates that you meet your state’s auto liability insurance coverage requirements.
The purpose of a SR22 form is to prove you are insured enough to cover property damage or any other liability that arises from an accident.
It doesn’t necessarily cover all of the expenses associated with damage inflicted on the owner’s car or the other car involved.
If you’re required to obtain SR22 but don’t, you won’t be able to receive your license or registration back after revocation or suspension.
The SR22 is filed by an insurance company with your state of residency informing your state that the company is covering you for certain auto-insurance related circumstances.
If you cancel your insurance coverage while you are still required to have SR22 then your company is required to report you to your state and you can lose your license.
If you move to a new state that doesn’t require SR22 you still need to keep your SR22 filed with your former state and thus will need an insurance company that can do business in both states.
If the state you move to has higher insurance requirements for SR22 you will have to make sure that your policy meets these standards.
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How Much Does SR22 Insurance Cost Annually?
While some insurance companies don’t charge extra for filing a SR22, others may charge additional one-time fees between $15 and $50.
So you aren’t paying more because of the SR22, you pay more because you got a DUI.
Because you’ve been labeled higher risk due and thus must file a SR22, your insurance premiums will increase.
For example, a SR22 filed due to a DUI could jump your insurance premiums from 31% to a whopping 375%!
On average however a SR22 due to a DUI will cost you 89% more in premiums.
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Watch out for this mistake!
Wait until the DMV asks you for your SR-22. As soon as you tell your car insurance company, they are going to raise your rates. Wait as long as you can.
How much is sr22 insurance Cost A month?
On average, an insurance policy that has a SR22 attached to it costs $230/month, or $2,760 annually.
What is the cheapest SR22 insurance?
Some companies will file your SR22 insurance for free but you will still be paying higher premiums because of what required you to file a SR22 in the first place.
For insurance companies that can file SR22 forms for you, Farmers and Progressive came in around $1,200 cheaper annually with monthly premium payments around $116/month.
Is SR22 A One Time Fee?
The average filing fee is $25, but it can be more or less depending on the insurance company completing the filing.
Typically it is not more than $50. Once you have filed a SR22 you don’t need to file a new one each year as it will last the duration the SR22 is required.
If you find yourself in the unfortunate situation of needing SR22 insurance:
Hopefully this article on How much does SR22 Insurance cost a month was helpful.
While the initial shock of the monthly cost is quite alarming, if you keep your driving record clean, the requirement to carry it will eventually end.
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