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Compare SR-22 Insurance Rates and State Requirements

Compare minimum liability limits, SR-22 filing fees, and carrier options across all 50 states.

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How It Works

Enter your ZIP code and tell us you need a non-owner SR-22
Get matched with carriers who write non-owner SR-22 policies in your state
Choose your policy and your insurer files the SR-22 directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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SR-22 InsuranceAn SR-22 is a certificate of financial responsibility filed by your insurer with the state DMV. Required after DUI convictions, multiple violations, or license suspensions in 49 states.

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Liability InsuranceCovers bodily injury and property damage you cause to others. Minimum state limits range from 25/50/25 in California to 50/100/25 in Alaska.

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Uninsured Motorist CoverageProtects you when hit by a driver with no insurance. Required in 20 states and recommended in states with uninsured rates above 10%.

A man in a dark jacket and cap sits in a van driver's seat, looking down while fastening his seatbelt, with a steering wheel in the foreground and a house visible through the window.

Non-Standard Auto InsuranceCoverage from carriers specializing in high-risk drivers with DUIs, accidents, or lapses. Non-standard carriers file SR-22s and offer payment plans for drivers with credit issues.

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Comprehensive CoverageCovers theft, vandalism, weather, and animal strikes. Not required by states but may be required by lenders if you're financing a vehicle.

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Collision CoveragePays to repair your vehicle after an accident regardless of fault. Required by lenders for financed or leased vehicles with deductibles typically ranging from $250 to $1,000.

Recent Articles

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7/13/2026SR-22 Cost in WisconsinNo car? Wisconsin lets you file an SR-22 on a non-owner policy, which costs 40-60% less. Carriers that write it.

An open black mailbox on a weathered wooden post holds a white envelope on its lowered door, with the red flag raised, while a dark car with lit tail lights sits in a driveway in the blurred background at dusk.

7/13/2026Non-Owner SR-22 Insurance in TexasTexas SR-22 clock is 2 years, and non-owner policies run 40–60% less. Carriers filing non-owner SR-22s today.

A woman sitting in the driver's seat of a car, seen through the windshield, holding a phone to her left ear with one hand on the steering wheel.

7/13/2026Louisiana SR-22 Filing After DWINo car? Louisiana still wants a 3-year SR-22 after a DWI. A non-owner policy runs 40–60% less. Get quotes now.

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Frequently Asked Questions

How long do I need to maintain SR-22 insurance?

Most states require SR-22 filing for 3 years from the violation date or license reinstatement. California, Florida, and Indiana require 3 years, while Virginia requires 3-5 years depending on the offense.

Which states require SR-22 insurance?

49 states use SR-22 certificates for high-risk drivers. Florida uses FR-44, which requires higher liability limits. Delaware and Virginia offer cash deposit bonds as an alternative to SR-22 filing.

Do I need full coverage or just liability with SR-22?

States only require liability coverage with SR-22 filing. Full coverage (liability plus comprehensive and collision) is only necessary if you own a vehicle and have a loan, or if a court specifically ordered it.