Updated April 2026
What Is SR-22 Insurance Insurance?
How Much Does SR-22 Insurance Insurance Cost?
- Type of violation that triggered the SR-22 — DUI convictions typically add $90-$150/mo even after the SR-22 ends, while uninsured driver violations add $35-$70/mo.
- Time since SR-22 filing ended — rates decrease approximately 10-15% at each annual renewal for the first 3 years post-SR22 if you maintain continuous coverage.
- Whether you stay with your SR-22 insurer or switch — non-standard carriers that filed your SR-22 often keep you in high-risk pricing tiers indefinitely; standard carriers re-rate you based on current risk.
- Coverage limits you choose post-SR22 — switching from state minimum (25/50/25) to recommended limits (100/300/100) typically adds $25-$45/mo for post-SR22 drivers.
- Your state's lookback period for violations — California keeps DUIs on your record for 10 years, while Michigan's standard lookback is 7 years, directly affecting how long elevated rates persist.
- New incidents during recovery — a single speeding ticket during your first 2 years post-SR22 can delay rate normalization by 12-18 months and add $15-$30/mo.
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