After DUI, Ticket or License Suspension - Get SR22 Filed Quickly
SR22 Insurance is not a type of insurance. It is a certificate that your insurance company files with the DMV to prove that you have minimum liability insurance as required by law.
If your license was suspended due to DUI, DWI, reckless driving, or unpaid tickets, then you most likely need SR22 insurance. In 2026, average SR22 insurance cost ranges from $95 to $185 per month depending on your state and violation.
| Company | Avg Monthly Cost | Best For | Filing Fee |
|---|---|---|---|
| Progressive | $95 - $160 | High Risk Drivers | Low |
| Geico | $110 - $175 | Fast Filing | Medium |
| State Farm | $120 - $185 | Reliable Service | Low |
| Allstate | $105 - $170 | Flexible Plans | Medium |
The cost of SR22 insurance is usually 2 to 3 times higher than normal car insurance. Main reasons are your violation history and high risk status. However, prices have become more competitive in 2026 due to more companies offering high-risk coverage.
Usually you need to maintain SR22 for 3 years. If you let your insurance lapse during this period, your insurance company will notify the DMV and your license can be suspended again.
Many people make the mistake of buying the first SR22 quote they get. Always compare at least 4-5 companies. Progressive is currently the most popular choice for SR22 because of their experience with high-risk drivers.
Q: How long do I need SR22 insurance?
A: Usually 3 years in most states.
Q: Can I get SR22 with bad credit?
A: Yes, many companies offer SR22 even with bad credit.
Q: Will SR22 increase my insurance rate?
A: Yes, it will be higher than normal insurance, but you can still find affordable options by comparing.
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