Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Apr 12, 2022

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The Short of It

  • An SR-22 is a form you file to show you meet your state’s requirements for minimum coverage levels
  • Filing an SR-22 is likely to increase your car insurance rates by hundreds of dollars each year
  • Car insurance companies offering non-standard coverage could give you better rates after filing an SR-22

If you’ve never heard of an SR-22 form, we’re here to help. SR-22 forms are a way of proving you are financially responsible and carry at least the minimum amount of liability car insurance required in your state.

While the SR-22 form itself may not sound like an issue, the reason your state requires you to file an SR-22 form could make it difficult to find or maintain affordable car insurance rates.

Why would I need to file an SR-22?

Not everyone has to file an SR-22. The only people who must file this form in their state are people required to do so by a court order. Often, the state requires an SR-22 after a serious moving violation, such as a DUI, a DWI, or driving a car without insurance.

Some of the most common reasons for filing an SR-22 form include:

  • Receiving a DUI or DWI
  • Reckless driving
  • Repeat driving offenses
  • Multiple at-fault car accidents
  • Driving without insurance
  • Revoked or suspended license
  • Not paying child support

Many people who need to file an SR-22 form get their licenses suspended temporarily. It can be challenging to find or maintain proper insurance when this happens, as most companies view it as a liability.

When it comes to SR-22 forms, most people worry about their driving records and insurance rates.

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How does filing an SR-22 form impact car insurance?

If you file an SR-22 form, you can expect this to show up on your driving record. Once you’ve filed, it can stay on your record anywhere from two to five years. While this may not sound like much of an issue, it can significantly impact your car insurance rates.

Car insurance companies are often hyperfocused on risk. If you file an SR-22 form in your state, virtually every insurance company will see you as a risk to its bottom line. Some companies refuse to offer you coverage, while others may provide coverage at high rates.

However, some car insurance companies offer reasonable prices for minimum coverage after you’ve filed an SR-22.

What are the best SR-22 car insurance companies?

It can be tough choosing the best SR-22 car insurance company for you. Ultimately, the best company for you is one that offers the coverage you need at a price you can afford. 

Some of the most common car insurance companies that offer affordable SR-22 coverage include:

  • AAA
  • Allstate
  • American Family
  • Country Financial
  • Dairyland
  • Direct Auto
  • Erie
  • Esurance
  • Farmers
  • Farm Bureau
  • The General
  • Grange Insurance
  • Kemper
  • Mercury
  • Nationwide
  • Progressive
  • Safe Auto
  • State Farm
  • Travelers
  • USAA

The good news is that all of the companies listed above have the potential to offer you reasonable rates for coverage after you file an SR-22. However, deciding between the numerous SR-22 insurance offerings may be overwhelming.

How much is SR-22 coverage?

The cost of car insurance after filing an SR-22 form varies based on numerous factors, including:

  • Age
  • Gender
  • Location
  • Frequency of driving
  • Driving record
  • Credit score
  • Coverage amount

The table below shows the average annual rates for SR-22 car insurance coverage in each state in the U.S.

Cost of Car Insurance after Filing SR-22
StateAverage Annual SR-22 Rates
New Hampshire$1,387
New Jersey$1,861
New Mexico$1,113
New York$1,840
North Carolina$1,389
North Dakota$848
Rhode Island$1,435
South Carolina$1,084
South Dakota$782
West Virginia$1,360
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As you can see, SR-22 forms can make your car insurance rates expensive, depending on where you live. However, you could find lower rates than your state’s annual average by doing some research online.

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How do I choose the right SR-22 coverage?

One of the best ways to choose car insurance coverage after filing an SR-22 is to shop online. While many companies claim to offer the best coverage at the lowest price, it simply isn’t possible for all of them to be telling the truth.

Using an online quote tool, you can find and compare rates from multiple SR-22 car insurance companies at once. Shopping for rates like this will help you learn which companies will or won’t work for you.

When looking for companies that offer the best options for SR-22 coverage, you may want to consider car insurance companies that sell non-standard or high-risk car insurance coverage. These companies may be more likely to offer you coverage after you file your SR-22, and the rates could be competitive.

What’s the bottom line?

If you’ve filed an SR-22 form in your state, it may be time to search for car insurance coverage. You may have the option of staying with your current car insurance company, but it’s helpful to shop around online to compare rates and see if you can find cheaper SR-22 coverage with another company.

You may find that your current insurance company will no longer offer you car insurance coverage after you file an SR-22. In that case, you’ll want to shop around online and compare companies, coverage options, and costs.

It may be possible to lower your monthly car insurance rates by increasing your deductible or reducing your amount of coverage. You can also ask potential car insurance companies about eligible discounts.