SR-22 & FR-44 Insurance
What SR-22 insurance really costs in 2026
Independent, source-checked cost data for every state. No sales pitch — just what you'll actually pay to get filed and back on the road.
$35–$363
typical monthly cost
$15–$50
one-time filing fee
44 states
require an SR-22
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Start here · The complete guide
How much does SR-22 insurance cost?
An SR-22 itself is cheap — a one-time filing fee of $15–$50. The real cost is the high-risk auto policy behind it: most drivers pay $95–$225/month for state-minimum coverage (about $150–$400 for full coverage), often ~90% more than a clean-record rate after a DUI, for 2–3 years.
Answers to the questions people actually ask
Cost
Cheapest SR-22 insurance companies
In MoneyGeek's 2026 SR-22 study, Erie is cheapest at $114/month for minimum coverage — but sells in just 12 states. Among carriers available everywhere, GEICO leads at $136. If you qualify for USAA, its non-owner SR-22 runs $28/month — the lowest figure we found anywhere.
BasicsHow to get SR-22 insurance
To get an SR-22, confirm your state's exact requirement, find an insurer that files where you live, buy a qualifying policy, and have them submit the certificate — often the same day. You never file it yourself. One timing rule catches people out: in some states, filing before reinstatement doesn't count.
Your SituationMotorcycle SR-22 insurance
Most major motorcycle insurers — including Progressive, GEICO, and Dairyland — can file an SR-22 on a motorcycle policy for the same $15–$25 filing fee as a car. But the filing is generally tied to that specific policy, so it typically does not cover you driving a car — check your state's rule before you assume otherwise.
Carrier GuideFarmers SR-22 insurance
Farmers' answer to an SR-22 is usually a different brand: Bristol West, the group's non-standard arm, which Farmers has owned since 2007. Distressed drivers in 2026 name Bristol West constantly and Farmers almost never. Expect an agent, not a quote button.
ComparisonSR-22 vs regular insurance: what's the difference?
There's no such thing as "SR-22 insurance" as a separate product — it's a common enough confusion that it shows up in insurance forums regularly. An SR-22 is a certificate filed on top of a regular auto policy. The coverage underneath is identical; what changes is the filing, the surcharge, and the continuous-coverage rule.
Carrier GuideState Farm SR-22 insurance
State Farm has no SR-22 product page, and its own SR-22 article never says State Farm files them — it tells you that if your insurer won't, "you likely will need to find a new provider." Existing customers do get filings, inconsistently. Outcomes here are agent- and state-dependent, not a corporate rule.
SR-22 rules are set by your state
Filing fees, required duration, and the cheapest carriers all change at the state line. Pick yours for a page written against that state's DMV.
Checked against .gov sources
Every filing fee and duration is cited to the state DMV or Department of Insurance — not scraped from an aggregator.
Written for a stressful moment
Plain English, no upsell. We assume you just got a court order and need real numbers fast.
Reviewed and dated
Each page shows who reviewed it and when. We update figures when the underlying rules change.