By

John Davey

Updated

November 10, 2023

Edited By

Fausto Bucheli Jr
driver behind the wheel
image credit - Maria Orlova

If you have been convicted of a driving offense, such as a DUI or driving without insurance, you may be required to file an SR-22 form with your state. An SR-22 is a certificate of financial responsibility that proves to the state that you have the minimum required amount of car insurance.

SR-22 insurance can be expensive, but there are a number of factors that can influence your rates. In this article, CheapInsurance.com explores the factors that most commonly affect SR-22 quotes.

Key Takeaways:

  • SR-22 is a certificate of financial responsibility that proves to the state that you have the minimum required amount of car insurance.
  • The cost of SR-22 varies depending on a number of factors, including your driving record, vehicle type and age, location, age and gender, coverage limits and deductibles, credit score, and other insurance policies.
  • There are a number of things you can do to get the best SR-22 quote, such as shopping around for quotes, considering your coverage needs, increasing your deductible, improving your credit score, and taking advantage of discounts.
  • It is important to avoid making common mistakes when getting SR-22 quotes, such as not shopping around for quotes, not considering your coverage needs, not increasing your deductible, not improving your credit score, and not taking advantage of discounts.

What is an SR-22 quote?

An SR-22 quote is an estimate of the cost of your SR-22 certificate. When you get a quote, you will be asked to provide some information about yourself, such as your driving record, vehicle type and age, location, age and gender, coverage limits and deductibles, credit score, and other insurance policies.

What are the factors that influence SR-22 insurance quote rates?

There are a number of factors that can influence SR-22 insurance quote rates. These factors include:

  • Driving record: Your driving record is the most important factor that affects your SR-22 insurance rates. The more serious your driving offenses, the higher your rates will be.
  • Vehicle type¬†and age: The type of vehicle you drive and its age can also affect your rates. Newer and more expensive vehicles typically have higher SR-22 insurance rates.
  • Location: Where you live can also affect your SR-22 insurance rates. Rates are typically higher in urban areas than in rural areas.
  • Age and gender: Age and gender can also play a role in SR-22 insurance rates. Younger drivers and men typically have higher rates than older drivers and women.
  • Coverage limits and deductibles: The higher your coverage limits and deductibles, the higher your SR-22 insurance rates will be.
  • Credit score: Your credit score is also a factor that insurance companies consider when setting SR-22 insurance rates. Drivers with poor credit scores typically have higher rates than drivers with good credit scores.
  • Other insurance policies: If you have other insurance policies, such as¬†homeowners¬†or renters insurance, you may be eligible for discounts on your SR-22 insurance.

How to get the best SR-22 insurance quote

There are a number of things you can do to get the best SR-22 insurance quote:

  • Shop around for quotes: Get quotes from multiple insurance companies before you choose a policy.
  • Consider your coverage needs: Make sure you have the right amount of coverage for your needs.
  • Increase your deductible: If you can afford to, increase your deductible to lower your premiums.
  • Improve your credit score: Improving your credit score can help you lower your SR-22 insurance rates.
  • Take advantage of discounts: Ask about any discounts you may be eligible for.

Tips for improving your SR-22 insurance quote

In addition to the tips above, there are a number of other things you can do to improve your SR-22 insurance quote:

  • Take a defensive driving course: Completing a defensive driving course can help you lower your rates.
  • Maintain a clean driving record: If you can avoid any further driving offenses, your rates will go down over time.
  • Pay your premiums on time: Paying your premiums on time is important for maintaining good standing with your insurance company.

How much does SR-22 insurance cost?

The cost of SR-22 insurance varies depending on the factors listed above. However, you can expect to pay anywhere from $50 to $500 per year for SR-22 insurance.

Avg SR-22 / FR44 cost by state

StateSR22 or FR44Avg Costs
AlabamaSR22$300 to $500 per year
AlaskaSR22$350 to $600 per year
ArizonaSR22$400 to $700 per year
ArkansasSR22$300 to $500 per year
CaliforniaSR22$350 to $600 per year
ColoradoSR22$400 to $700 per year
ConnecticutSR22$350 to $600 per year
DelawareSR22$300 to $500 per year
FloridaFR44$800 to $1,500 per year
GeorgiaSR22$400 to $700 per year
HawaiiSR22$350 to $600 per year
IdahoSR22$300 to $500 per year
IllinoisSR22$350 to $600 per year
IndianaSR22$350 to $600 per year
IowaSR22$300 to $500 per year
KansasSR22$400 to $700 per year
KentuckySR22$350 to $600 per year
LouisianaSR22$400 to $700 per year
MaineSR22$350 to $600 per year
MarylandFR19$400 to $700 per year
MassachusettsSR22$800 to $1,500 per year
MichiganSR22$400 to $700 per year
MinnesotaSR22$350 to $600 per year
MississippiSR22$300 to $500 per year
MissouriSR22$350 to $600 per year
MontanaSR22$400 to $700 per year
NebraskaSR22$300 to $500 per year
NevadaSR22$400 to $700 per year
New HampshireN/ANo SR22 requirement
New JerseySR22$350 to $600 per year
New MexicoSR22$350 to $600 per year
New YorkSR22$350 to $600 per year
North CarolinaSR22$300 to $500 per year
North DakotaSR22$350 to $600 per year
OhioSR22$350 to $600 per year
OklahomaSR22$300 to $500 per year
OregonSR22$350 to $600 per year
PennsylvaniaN/ANo SR22 requirement
Rhode IslandSR22$350 to $600 per year
South CarolinaSR22$400 to $700 per year
South DakotaSR22$300 to $500 per year
TennesseeSR22$350 to $600 per year
TexasSR22$400 to $700 per year
UtahSR22$400 to $700 per year
VermontSR22$350 to $600 per year
VirginiaFR44$400 to $700 per year
WashingtonSR22$350 to $600 per year
West VirginiaSR22$350 to $600 per year
WisconsinSR22$350 to $600 per year
WyomingSR22$400 to $700 per year
* These figures are averages and can fluctuate depending on individual circumstances and insurance providers. When seeking an SR22 or FR44 certificate, it's crucial to compare quotes from different companies to find the best coverage and rates for your specific situation. Additionally, maintaining a clean driving record and practicing safe driving habits can help reduce insurance premiums over time.

What are the different types of SR-22 insurance policies?

There are two main types of SR-22 insurance policies:

  • SR-22 non-owner policy: This type of policy is for drivers who do not own a vehicle.
  • SR-22 owner policy: This type of policy is for drivers who own a vehicle.

How long do I need to keep SR-22 insurance?

The length of time you need to keep SR-22 insurance depends on the state you live in. However, you can typically expect to keep SR-22 insurance for three to five years.

What happens if I cancel my SR-22 insurance?

If you cancel your SR-22 insurance before your requirement is met, your license may be suspended or revoked.

driver in car with smart phone

What are some common mistakes to avoid when getting SR-22 insurance quotes?

There are a number of common mistakes people make when getting SR-22 insurance quotes. These mistakes include:

Not shopping around for quotes

One of the biggest mistakes people make when getting SR-22 insurance quotes is not shopping around for quotes. It is important to get quotes from multiple insurance companies before you choose a policy. This will help you ensure that you are getting the best possible rate.

Not understanding your coverage needs

Another common mistake is not understanding your coverage needs. It is important to make sure you have the right amount of coverage for your needs. If you have too little coverage, you could be at financial risk if you are involved in an accident. However, if you have too much coverage, you will be paying for coverage you do not need.

Choosing a policy with a low deductible

A deductible is the amount of money you will have to pay out of pocket before your insurance company starts to pay for a claim. If you can afford to, it is a good idea to increase your deductible. This will lower your premiums, but it will also mean that you will have to pay more out of pocket if you are involved in an accident.

Not taking advantage of discounts

There are a number of discounts that you may be eligible for, such as discounts for having a clean driving record, taking a defensive driving course, or installing anti-theft devices in your vehicle. Make sure to ask about any discounts you may be eligible for.

Not paying your premiums on time

It is important to pay your premiums on time. If you do not pay your premiums on time, your insurance company may cancel your policy. This could leave you without any insurance, which could have serious consequences if you are involved in an accident.

Conclusion

Getting SR-22 insurance can be a daunting task, but it is important to remember that you are not alone. There are a number of resources available to help you get the best possible SR-22 quote. By following the tips in this article, you can get the SR-22 insurance you need at a price you can afford.