SR-22 Insurance Calculator

Estimate the premium impact of an SR-22 filing and how long it will stay on your auto insurance record.

Base Auto Annual Premium

$/yr

Violation Severity

Results

Added Annual Cost

$375

SR-22 premium surcharge

Total Annual Premium

$1,875

Base + SR-22 surcharge

Filing Duration

typically 2-3 years

How long the SR-22 stays on your record

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How the SR-22 surcharge is calculated

The SR-22 filing itself is inexpensive, but the violation behind it drives up your premium. Minor violations add roughly a quarter of your base premium, while serious violations such as DUIs add close to half. The surcharge lasts for the entire filing period — typically 2 years for minor and 3 years for serious offenses.

Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.

Formula

Added = BaseAutoAnnual × 0.25 (minor) or 0.45 (serious)

Worked Example

With a $1,500 base premium and a serious violation, the added cost is $1,500 × 0.45 = $675/yr, for a total of $2,175.

Frequently Asked Questions

What is an SR-22 filing?

An SR-22 is a certificate your insurance company files with the state proving you carry the required liability coverage. It is typically required after a DUI, serious violation, or license reinstatement, not an insurance policy itself.

How much does an SR-22 add to my premium?

The filing itself usually costs $15-$40 one time, but the underlying violation raises your rates substantially. Expect a 25-45% premium increase depending on severity, plus a multi-year surcharge on your record.

How long does an SR-22 stay on my record?

Most states require the SR-22 to stay active for 2-3 years. Serious violations such as DUIs typically require 3 years, while minor offenses are often 2 years. If your policy lapses, the insurer must notify the state immediately.

Why do insurers quote SR-22 drivers much higher rates?

Drivers who need an SR-22 are statistically more likely to file claims or violate again. Insurers price this elevated risk into the premium, which is why the surcharge stays in place for the entire filing period.

Can I remove the SR-22 once the period is over?

Yes. After your required filing period ends, you can remove the SR-22 designation. The insurer will stop reporting it to the state, and if your violations age out, your premium can return to normal levels.

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Frequently Asked Questions

What is an SR-22 filing?

How much does an SR-22 add to my premium?

How long does an SR-22 stay on my record?

Why do insurers quote SR-22 drivers much higher rates?

Can I remove the SR-22 once the period is over?

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SR-22 Insurance Calculator

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Worked Example

Frequently Asked Questions

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SR-22 Insurance Calculator

Results

Formula

Worked Example

Frequently Asked Questions

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