If your driver’s license has been suspended or restricted, you may be required to file an SR22 Insurance form. The fastest way to get back on the road is to apply for an SR22 Insurance Quote Online.
In this complete guide, you’ll learn:
- What SR22 insurance is
- Who needs an SR22
- How to get an SR22 insurance quote online
- How much SR22 insurance costs
- Tips to find cheap SR22 insurance
What Is SR22 Insurance?
First, it’s important to understand:
SR22 is not actually insurance.
It is a certificate of financial responsibility filed by your insurance company with your state’s Department of Motor Vehicles (DMV).
The SR22 form proves that you carry the minimum required auto liability insurance.
Who Needs an SR22?
You may be required to get an SR22 if you:
- Were convicted of DUI or DWI
- Drove without insurance
- Had multiple traffic violations
- Were involved in a serious at-fault accident
- Had your license suspended or revoked
Not all states require SR22 filings, but many do.
How to Get an SR22 Insurance Quote Online
Getting an SR22 insurance quote online is simple and fast.
Step 1: Find an Insurance Provider That Offers SR22
Not all companies offer SR22 filings, so confirm first.
Step 2: Request a Quote Online
Provide:
- Driver’s license information
- Vehicle details
- Violation history
- State of residence
Step 3: Purchase the Policy
Once approved, the insurer files the SR22 form with the DMV.
Step 4: License Reinstatement
After filing, you may complete any additional state requirements to reinstate your license.
How Much Does SR22 Insurance Cost in 2026?
The cost of an SR22 insurance quote online depends on your violation history and state laws.
Filing Fee:
$15 – $50 (one-time state filing fee)
Increased Insurance Premium:
Because SR22 drivers are considered high-risk, premiums increase significantly.
Average annual premium after SR22:
- Minor violations: $1,200 – $2,000
- DUI conviction: $2,000 – $5,000+
Your rate depends on:
- Type of violation
- Driving record
- Age
- State
- Insurance provider
How Long Do You Need SR22 Insurance?
Most states require SR22 coverage for:
- 3 years (common)
- Sometimes 2–5 years depending on violation
If your policy lapses, the insurer notifies the DMV, and your license may be suspended again.
Continuous coverage is critical.
Types of SR22 Insurance
1️⃣ Owner SR22
For drivers who own a vehicle.
2️⃣ Non-Owner SR22
For drivers who do not own a car but still need proof of insurance.
3️⃣ Operator SR22
Covers drivers who operate borrowed vehicles.
Non-owner SR22 insurance is often cheaper.
How to Get Cheap SR22 Insurance Online
Here are proven tips to lower your SR22 insurance cost:
✅ Compare Multiple Quotes
Always get at least 3 quotes.
✅ Choose a Higher Deductible
This can lower monthly premiums.
✅ Maintain a Clean Driving Record
Avoid new violations during the SR22 period.
✅ Take Defensive Driving Courses
Some insurers offer discounts.
✅ Consider Non-Owner SR22
If you don’t own a vehicle, this option may save money.
Best Companies for SR22 Insurance Quotes Online (USA)
- Progressive
- GEICO
- State Farm
- Dairyland
- The General
Rates vary by state, so always compare.
What Happens If You Cancel SR22 Insurance?
If your policy is canceled or lapses:
- The insurer files an SR26 form
- The DMV is notified
- Your license may be suspended again
- The SR22 period may restart
Never let your SR22 coverage lapse.
Frequently Asked Questions
Can I get SR22 insurance without a car?
Yes. You can get a Non-Owner SR22 policy.
How fast can I get an SR22 filed?
Many insurers can file electronically within 24 hours.
Will SR22 insurance lower over time?
Yes. If you maintain a clean driving record, rates usually decrease after the required period ends.
Final Thoughts
Getting an SR22 Insurance Quote Online is the fastest way to meet state requirements and reinstate your driving privileges.
Although SR22 insurance is more expensive due to high-risk status, comparing quotes and maintaining safe driving habits can significantly reduce long-term costs.
The key steps are:
- Compare multiple providers
- Avoid coverage lapses
- Maintain a clean driving record
- Complete the required SR22 period