SR-22 Cost Calculator

No — an SR-22 is a certificate your insurer files with the state confirming you carry the state's minimum required auto insurance coverage; it doesn't add any coverage of its own. It's typically required after a DUI, a serious moving violation, driving without insurance, or accumulating too many points, and most insurers charge a modest one-time filing fee plus an ongoing premium surcharge to maintain it.

Insurers price risk, and a DUI/DWI conviction statistically correlates with a much higher likelihood of future claims than a points-based violation or a lapse in coverage, so insurers typically apply a steeper surcharge for the more serious violation. This calculator's rates are illustrative estimates meant to reflect that relative ordering (DUI highest, excessive points lowest) rather than any one insurer's exact published rate table.

Most states require SR-22 filing for three years from the date of the violation or reinstatement, though the exact period varies by state and by the severity of the violation — some require shorter or longer periods. If your coverage lapses at any point during the required period, insurers are typically required to notify the state, which can restart the clock or trigger a license suspension.

Often, yes — many insurers reduce or remove the SR-22-related surcharge once the required filing period ends and the underlying violation ages off your driving record, though the violation itself may continue affecting your rate independently for longer, depending on your insurer's underwriting rules and your state's look-back period for that violation type.

Yes — SR-22 surcharges vary significantly between insurers, and some carriers specialize in high-risk or non-standard auto insurance and may offer meaningfully better rates than your current insurer for the same violation. It's generally worth getting quotes from a few insurers, including at least one that specifically markets to high-risk drivers, before assuming your current insurer's rate is the best available.