SR-22 cost estimator

Published 2026-09-18 · Last updated 2026-09-18.

What SR-22 is (general)

States require an SR-22 after certain serious violations, most commonly a DUI or DWI conviction, driving without insurance, or a serious accident, though the exact triggers vary by state. Some states do not use the SR-22 form at all, and a few use a different form — for example, FR-44 in some states for DUI offences — with different limits. Your insurer files the form electronically with the state agency, and you must then keep cover continuous for the whole required period.

A lapse during that period is the trap to avoid: it can restart the clock and can lead to a further suspension. If you switch insurers mid-period, confirm the new insurer files SR-22 in your state and that the filing continues without a break. If you move state, ask both states what happens, because the original state's requirement may still apply.

Cost inputs

The working tool on this page asks for only user-entered figures, with validation: your current annual premium (from your own quote or bill), a second annual premium to compare (optional, also your own figure), the one-time filing fee you were told (your figure, not a stored rate), and the required filing period in years (from your state DMV letter). It stores no insurer rates, no state fee table, and no state period table. If you do not know a figure, the tool tells you to get it from your insurer or DMV first, rather than filling it in for you.

Your estimate range

The tool calculates transparently: total filing fees over the period (filing fee × number of filings you enter, normally one), total premium over the period (annual premium × years), and, if you entered a second premium, the difference between the two totals over the period. That difference is an arithmetic comparison of your two entered figures — it is not a prediction, a quote, or a saving promise. The output labels every figure as USER-ENTERED and shows the formula used, so you can check the maths yourself.

Use the result to plan, not to choose blindly: a lower premium over three years still needs the same cover, the same filing, and continuous cover. A quote that looks cheaper but drops a coverage you need, or that cannot file SR-22 in your state, is not comparable.

How long SR-22 lasts (general)

How long an SR-22 lasts is set by your state and by the offence, and it is commonly measured in years rather than months. Because the period, the start date, and the lapse rule all vary, this page states no period for any specific state as a fact. Get your exact period and start date from your state DMV letter, enter that period into the estimator, and ask your insurer to confirm in writing when the filing can end. Do not stop the filing on your own guess about the end date.

ILLUSTRATIVE EXAMPLE — not a policy fact