Cheap SR22 Insurance Quotes

Don’t risk driving without insurance. Get cheap SR22 insurance quotes and enjoy your driving privileges. Get your proof of financial responsibility through one of our approved car insurance carriers for SR-22. 

cheap sr22 car insurance Has Cheap SR22 Car Insurance Right Here for You!

You may be wondering why you should reach out to us to help with SR-22 car insurance, here’s why.

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Get the cheapest SR22 car insurance quotes from major car insurance companies.


Our customers know that they can return to us time and time again to compare cheap SR-22 car insurance quotes. We will find you car insurance for SR22 from the top nationally rated U.S. car insurance companies specializing in SR22.

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Why waste time browsing multiple auto insurance websites when you can get all your SR22 insurance quotes here. All we need is your zip code and a few details to get you all the cheap SR-22 auto insurance quotes you need, in one place.

Do You Really Need Cheap SR22 Insurance Quotes?

Not everyone needs SR22 auto insurance. It’s required if you’ve been caught driving without insurance or a valid driver’s license.

Here are some other reasons why you may need to file an SR22

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A DUI or DWI conviction.

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Driving without insurance.


Too many at-fault accidents or traffic violations.

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Not paying court ordered child support.

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Repeated traffic offenses in a short period of time.

Inexpensive SR22 Insurance

Our insurance companies will offer SR22 insurance according to your specific needs.

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Owner SR22

This SR22 provides proof that you own and have auto insurance in place. If not having insurance is the reason you need an SR22, then you will need to get SR22 auto insurance in place before filing the form with your local DMV.

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Non-Owner SR22

Even if you don’t own a car, but you do drive one, you need car insurance. A non-owner SR22 is cheaper than an owner SR22, as many states only need non-owners to carry liability car insurance.

Owner Operator SR22 Insurance
Owner/Operator SR22

If you drive several cars, you need to be covered by your SR22 automobile insurance in any potential situation. This car insurance for SR22 will cover all the vehicles that you own and any others that you drive.

Find Cheap Car Insurance Quotes For SR22 Quickly and Easily

Not only do the insurance companies we work with bring you the cheapest car insurance for SR22, but they will also help you get your insurance coverage in place with ease.

They will walk you through the process of filling out your DMV forms correctly so that you can get your license reinstated and start driving again.

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SR22 Insurance Quotes

Getting a car insurance quote for SR22 doesn’t need to be a difficult, time consuming process. That’s why we give you the option to buy online, or over the phone.

Just follow these easy steps

Choose the call now button or enter your zip code in the zip code button

If you want to buy your SR22 car insurance over the phone simply dial (800) 486-1866. Select the call now then one of the friendly representatives from our national network will be glad to help you.

To buy SR22 insurance online, select the inter zip code, then enter your zip code. You’ll be prompted through a few easy steps to find cheap sr22 car insurance quotes.

Start with your zip code

Let us know where in the U.S. you live.

Get instant quotes

We’ll list the cheapest insurance for SR22 providers available, based on your zip code.

Choose your Auto insurance For SR22

Click on the carrier that you would like have a quote from. Fill out the form to receive the quote from your selected car insurance carrier for SR22.

Speak to our team

If no online quotes are available for SR22 insurance in your area, select the call now button for dialing into our national car insurance network.

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Your Frequently Asked Questions

Browse through the answers to some of the common questions that customers have about SR22, SR22 quotes with car insurance insurance and more.

What is SR22 Insurance?

An SR22 is a certificate of financial responsibility required for some drivers, either by their state or a court order. It is not an actual type of insurance, but a form filed with your state.

It is a car insurance provider’s guarantee to the state’s Department of Motor Vehicles that you have obtained and will maintain the legally required auto insurance coverage.

Serious offenses that require an SR22 include DUI, vehicular assault, or other serious violations involving negligence or severe endangerment of other drivers or pedestrians.

As soon as the SR22 is filed and accepted by the DMV, your license suspension will be lifted and you will be able to drive legally again.

Although you will hear it called SR22 insurance, it is different from regular car insurance policies. It serves as a special policy endorsement, proving you are holding car insurance coverage that meets the legal standards for financial responsibility in your state.

In effect, even the best insurance for SR22 does not offer you any more protection than a basic car insurance policy.

It simply verifies that you have enough insurance to meet your obligations if you are in an accident. Unfortunately, it is very expensive.

It is not unusual for it to be twice as costly as regular insurance.

What is an FR44?

Similar to an SR22, an FR44 form is a document of financial responsibility required in Florida and Virginia that proves you’ve purchased car insurance.

If your driver’s license is suspended, your state might require you to prove that you have car insurance before your license gets reinstated. An FR44 form shows that you carry more than the bare minimum coverage required for the SR22 certificate.

It actually requires you to carry at least double the amount of liability coverage needed for the SR22.

Do I need SR22 insurance?

You might be ordered to hold an SR22 insurance endorsement if you have recently been in a car accident.

An SR22 form lets you keep or get back your driving privileges after having committed serious or repeated crimes.

SR22 insurance is very common in these situations, you might need one if:

  • Found responsible for a car accident that caused bodily injury.
  • Faced a DWI or DUI conviction or another serious moving violation.
  • Driving without an auto insurance policy when you were involved in an accident.
  • Pulled over by law enforcement and did not have car insurance, or have committed a high number of traffic violations in a short period of time (such as three or more speeding penalties within six months).
  • Driving license has been suspended or revoked.
  • Failed to pay court-ordered child support.

SR22 designates that someone is a high-risk driver.

Once the period during which you will need SR22 has passed, you will revert back to standard auto insurance.

What if I don’t get SR22 insurance?

If you are required to have SR22 insurance but you don’t make the payments to keep it in place, you will face serious fines and penalties. If you don’t pay, the insurance provider must report it to the DMV under state law. The DMV will suspend your license almost immediately. The DMV can also take away your license permanently, which means you will not legally be allowed to drive. So get cheap SR-22 car insurance with the cheapest car insurance companies as soon as possible!

How long do you need SR22 insurance coverage for?

You will need an SR22 for between one and five years. However, most states require you to have it for three years. You must be continuously insured during this timeframe, since any lapse in coverage will cause the SR22 clock to reset. Here are a few things to keep in mind:
  • You will need to have an SR22 showing that you’ve had insurance for three years. In some states this could be longer.
  • If your insurance policy lapses or ends during this time, your insurance provider must tell the state.
  • Your driver’s license will be suspended if you don’t follow the rules.
  • Once you’ve met all of your state’s time requirements, your SR22 status is removed.
  • The only situation where most people are allowed to cancel the SR22 is if you no longer drive. You will be required to surrender the license plate of your vehicle and take other steps to verify it will not be used.

What are the different types of SR22 forms?

There are three main types of SR22 certificates and your insurance provider should help you determine which one you need:
  • Owner certificate: This form applies when you own motor vehicles.
  • Owner-operator certificate: This form includes any motor vehicles you drive, regardless of ownership.
  • Non-owner certificate: This form is needed when you do not own a motor vehicle but are required to have an SR22.

What is the difference between SR22 and regular insurance?

The main difference between SR22 and regular insurance is that SR22 is for high-risk drivers who are convicted of major moving violations. Regular insurance, on the other hand, is for anyone who drives a car.

The underlying insurance coverage is the same, but the SR22 designation will make regular coverage more expensive. With an SR22 policy, the insurance provider will keep the state informed of the status of your insurance policy.

Once your SR22 filing is no longer needed, you can have it removed and continue driving with your regular insurance policy.

What is a certificate of financial responsibility?

An SR22 form is sometimes referred to as a certificate of financial responsibility. Your insurance company files the document after you have had your license suspended or revoked.

How to get SR22 auto insurance

As long as your insurance company offers SR22 form filings, all you have to do is call them and they’ll take care of everything for you.

If your state requires that you have an SR-22, they’ll add it to your existing policy and then file the document at your local DMV.

If your current insurance company doesn’t offer SR22 or you don’t already have car insurance, you will need to buy a new policy.

Because many insurance companies don’t cover SR22, it’s a good idea to let them know right away that you need it to save yourself a lot of time.

How long does it take to get SR22 insurance?

Do I need an SR22 to reinstate my license?

Filing an SR22 is often a requirement for a driver to reinstate their suspended license, but it does not allow them to drive while the suspension is still in effect.

SR22 insurance is a kind of proof that your insurance company will send to the DMV on your behalf. It proves that you meet the state minimum coverage requirements.

If you don’t have insurance, you need to get it first and then get the SR22 insurance on top of that.

What happens if an SR22 policy is canceled?

When your SR22 insurance is canceled or lapses, your insurance carrier must send the state an SR26 form.

This form lets the state that requires the SR22 filing know that the policy has been canceled or the coverage options have lapsed.

This means that your driver’s license will be revoked. You may also be fined or have your insurance rate go up.

If an SR22 is filed, you’ll have to pay for everything again. The length of time your policy was not in effect, doesn’t make a difference to this whether it was only for one week, or four months.

The good news is you can get another SR22 policy and have the state file it again.

What is an SR26 form?

An SR26 form notifies the local DMV that an offending driver no longer has an SR22 certificate with a specific insurance company.

This means either the driver held the SR22 form for the required time period, or the driver no longer has an SR22 for other reasons.

How much does SR22 insurance cost per month?

SR22 insurance will cost you an average of between $65 and $125 per month, depending on the insurer and the nature of the offense that resulted in the requirement.

The DMV in your state will additionally charge a one time fee to process the relevant documents.

In most states, an SR22 filing fee with the DMV will cost you between $15 and $50 (typically $25), depending on the state.

The insurance policy that comes with an SR22 doesn’t have a set premium. It’s based on standard rating factors, including:

  • Driving record.
  • Geographical location.
  • The type of vehicle you drive.

You will pay more for insurance if your driving record shows that you’re a “risky driver,” even if you don’t need an SR22.

Why is SR22 insurance expensive?

SR22 insurance is expensive because it is only required for “high risk” drivers. It is for drivers who have recently been convicted of a significant driving violation, such as DUI or reckless driving.

Drivers who are deemed high risk will naturally face higher premiums as a result of the increased possibility that they will file a claim.

Insurance companies have broad power to decide just how expensive SR22 insurance will be. Not all insurance firms even offer it.

From the perspective of a car insurance company, people with SR22 insurance are more likely than others to have an accident, so they are charged extra to defray potential costs in the future.

Remember, even though you might hold SR22 car insurance as part of a court order, it is not the job of your car insurance company to punish you.

Most people are still allowed to change SR22 providers if they find a better deal. Just make sure there are no gaps in your coverage period when you switch!

How much does SR22 insurance cost per state?

Insurance costs can vary based on the state you live in. The cheapest car insurance provider in the country may not be the cheapest in your state.

Different insurance companies charge varying rates based on where you live, and they may also view DUIs and other violations differently in different states.

You should be sure to get personalized insurance quotes from different insurers, because the cost of SR22 car insurance can vary due to:

  • Where you live
  • Your age
  • Your driving history
  • Various other factors

How do I get cheap SR22 insurance?

Every high risk driver can make their car insurance more affordable and get the cheapest deal for SR22 insurance.

You can do the same thing, too! How? By taking steps to improve your driving record and keeping your records clean through safe driving.

Here are a few ways you can get lower priced SR22 insurance over time:

  • Enroll in a driver’s improvement course.
  • Maintain a clean driving record.
  • Buy a cheaper vehicle.
  • Consider non-owner insurance coverage.
  • Compare companies that offer SR-22 policies.