Updated April 2026
What Is Liability Insurance Insurance?
How Much Does Liability Insurance Insurance Cost?
- Underlying violation type: DUI violations typically result in rates 2–3x higher than lapse-in-coverage SR-22s for the first 24 months after filing ends.
- Time since SR-22 completion: Rates drop approximately 15–25% at the 6-month mark, another 10–20% at 12 months, and approach non-SR22 rates after 36–60 months.
- Coverage limits selected: Increasing from 25/50/25 to 100/300/100 typically adds $30–$65/mo for post-SR22 drivers, but reduces personal financial exposure significantly.
- Driving record beyond SR-22: A single additional at-fault accident during rate recovery can extend elevated pricing by 18–36 months.
- Credit-based insurance score: Insurers in most states use credit as a rating factor; post-SR22 drivers with poor credit may pay 40–60% more than those with good credit, even with identical driving records.
- Carrier specialization: Standard carriers often decline or severely surcharge post-SR22 drivers in the first 12–24 months; non-standard carriers specializing in high-risk drivers frequently offer rates 20–40% lower during early rate recovery.
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