SR-22 Insurance After a DUI (2026): Costs, Rules & Cheapest Companies

If you’re reinstating your license after a DUI, you’ll likely need an SR-22 filing. The certificate is cheap — the premium surcharge is the real cost, and it varies enormously by carrier. Comparing quotes is the biggest way to lower it.

What is an SR-22?

An SR-22 isn’t insurance — it’s a certificate your insurer files with the state proving you carry at least the minimum required liability coverage. Some states use an FR-44 instead, which requires higher limits. It’s typically required after a DUI/DWI, driving uninsured, or multiple serious violations. You usually carry it for two to three years, filed continuously — any lapse can suspend your license and reset the clock.

How much does it cost?

The filing fee itself is small (around $15–25). The expense is the premium surcharge the underlying violation triggers, which can add 50–100%+ to your rate depending on your state, record, and carrier. Because most standard insurers decline high-risk filings, pricing concentrates among a handful of carriers — so quotes for the identical driver differ widely. Always compare.

SR-22 by state

Requirements, duration, and cheapest carriers vary by state. Select yours:

Select your state for SR-22 costs, duration, and the cheapest carriers.