How Much Does SR‑22 Insurance Cost?

The cost of SR-22 insurance can vary widely based on factors like your driving history, location, and the insurance company you choose. On average, the SR-22 filing itself can range from $15 to $50 per month. However, the actual total cost increases significantly due to higher premium rates after a DUI or similar violation, as drivers required to file an SR-22 are classified as high-risk. This classification leads to much higher premiums compared to a standard insurance policy. Additionally, you may still face higher premiums even after the SR-22 requirement has been lifted.

SR-22 insurance is sold by many insurance companies, but not all of them offer this service or do so at a competitive rate. Some may even price their policies so high that SR-22 customers will leave and become customers elsewhere. Breathe Easy specializes in SR-22 insurance, providing tailored coverage for individuals who need to fulfill SR-22 requirements.

SR-22 insurance tends to be more expensive than standard insurance because it's often required for high-risk drivers. Insurance companies see such drivers as more likely to file or cause the filing of claims, leading to higher premiums. Additionally, the administrative costs of filing and monitoring SR-22 forms add to the overall expense.

Yes, getting an SR-22 might cause your insurance premiums to go up. The increase is not due to the SR-22 itself but because of the serious driving violations that led to needing the SR-22, like DUIs or multiple traffic offenses. Because of this higher risk, insurers may raise your rates to balance out the added cost of covering you. Comparing quotes from different insurance companies and maintaining a good driving record over time can help manage these increased costs. 

The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.

Yes, Breathe Easy can provide non-owners policies, which are designed for individuals who need to fulfill the SR-22 requirement but don't own or have regular access to  a specific vehicle. A non-owner’s policy provides liability coverage when you occasionally drive a car that you don't own, such as a rental or a friend's borrowed vehicle.