Updated April 2026
What Is SR-22 Insurance Insurance?
How Much Does SR-22 Insurance Insurance Cost?
- The triggering violation matters most—DUI/DWI can triple rates ($150–$300/mo increase), while a lapse in coverage may add only $25–$50/mo.
- Your state's minimum liability requirements determine base cost—California's 15/30/5 minimums are cheaper to insure than Alaska's 50/100/25 minimums.
- How many carriers operate in the non-standard market in your state—competitive states like Texas have 50+ SR-22 carriers, which keeps prices lower than less competitive states.
- Whether your current insurer will keep you or you're forced to a non-standard carrier—staying with your current carrier typically costs 20–40% less than switching to a high-risk specialist.
- Your age and driving history beyond the SR-22 violation—a 40-year-old with one DUI pays significantly less than a 22-year-old with one DUI plus two prior at-fault accidents.
- Whether you bundle the SR-22-required liability with collision and comprehensive coverage or carry liability-only—full coverage on a financed vehicle can cost $200–$400/mo in the non-standard market.
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