SR-22 Insurance Cost Calculator
What you'll actually pay for car insurance with an SR-22 filing — and for how long.
Expected monthly premium with SR-22
$300
- Surcharge vs baseline
- +$150/mo
- Total over 3 yrs
- $10,835
- Extra you'll pay
- $5,435
- One-time filing fee
- $35
DUI SR-22s typically double your premium for 3+ years. Shopping around matters a lot — non-standard insurers (Dairyland, The General, Progressive) often beat mainstream on SR-22s.
About this calc
SR-22 filings mark you as a high-risk driver. This calculator estimates your total monthly and multi-year premium with a realistic SR-22 surcharge, plus the one-time filing fee.
FAQ
- What is an SR-22?
- It's not insurance. It's a certificate your insurer files with the state proving you maintain at least the minimum liability coverage. States require it after DUIs, major tickets, license suspensions, or driving without insurance.
- How much does SR-22 insurance cost?
- The filing itself is usually $25-50 one time. The real cost is the insurance premium increase — typically 40-150% higher than your pre-incident rate, depending on the violation.
- How long do I need an SR-22?
- Most states: 3 years after a DUI. Some (California, New York) can be longer. The clock usually starts from the conviction or license reinstatement date, not the policy start.
- Can I switch insurers while on SR-22?
- Yes — but you have to line up the new SR-22 filing before canceling the old policy. Any lapse, even one day, can restart your SR-22 clock and trigger a license suspension.