Understanding SR-22 Insurance Costs in Every State
A state-by-state breakdown of average SR-22 insurance costs and what factors affect pricing.
SR-22 insurance costs vary dramatically from state to state. This comprehensive breakdown helps you understand what to expect in your area and how to minimize costs.
National Average
The national average for SR-22 insurance is approximately $150 to $350 per month, though this can be higher or lower depending on your specific situation. The SR-22 filing fee itself is typically only $15 to $25.
Most Expensive States for SR-22
Michigan, Louisiana, and Florida consistently rank among the most expensive states for SR-22 insurance. Michigan's no-fault insurance system drives up costs, while Louisiana and Florida have high accident rates and litigation costs.
Least Expensive States for SR-22
States like North Dakota, Wyoming, South Dakota, and New Hampshire tend to have lower SR-22 insurance costs. These states generally have lower population density and fewer accidents.
Factors That Affect Your Rate
Your specific SR-22 cost depends on the violation that triggered the requirement, your overall driving history, your age and gender, your credit score (in states that allow it), the type of vehicle you drive, and your coverage levels.
How to Get the Best Rate
Compare quotes from at least 5 insurers, consider non-standard insurance companies, ask about all available discounts, maintain a clean driving record, and review your policy annually to ensure you're getting the best rate.