SR-22 Cost Calculator
Calculate the cost of SR-22 insurance filing including premium surcharges and total cost over the required filing period.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
New Monthly Premium
$270.00
≈ 5 tanks of gas
Total Extra Cost Over Period
$4,345.00
≈ 4 smartphones
How to Use This Calculator
- Enter your Current Annual Premium before the SR-22 requirement.
- Select the Violation Type (DUI, reckless driving, uninsured accident, etc.).
- Set the Required Filing Period in years (typically 3 years).
- Choose the State Cost Level to reflect regional rate differences.
- Review the New Annual Premium, Annual Surcharge, and total Filing Fee over the full SR-22 period.
How the result changes with Current Annual Premium
| Current Annual Premium | New Monthly Premium | Total Extra Cost Over Period |
|---|---|---|
| $1,450.00 | $217.50 | $3,505.00 |
| $3,825.00 | $573.75 | $9,205.00 |
| $6,675.00 | $1,001.25 | $16,045.00 |
| $9,050.00 | $1,357.50 | $21,745.00 |
What each input means
- Current Annual Premium
- Your annual premium before needing SR-22 filing.
- Violation Type
- 1 = DUI/DWI, 2 = Reckless driving, 3 = Driving without insurance, 4 = Excessive points.
- Required Filing Period
- Number of years SR-22 filing is required. Typically 3 years.
- State Cost Level
- 0 = Average cost state, 1 = High-cost state (MI, FL, NY), 2 = Low-cost state.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersCurrent Annual Premium = 1800, Violation Type = 1, Required Filing Period = 3, State Cost Level = 0 = 4 input(s) provided
- Calculate New Monthly PremiumNew Monthly Premium = round((adjustedAnnualPremium / 12) * 100) / 100270 = $270
- Calculate New Annual Premium3240 = $3,240
- Calculate Annual Surcharge AmountAnnual Surcharge Amount1440 = $1,440
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