Your SR-22 insurance cost is mostly the higher premium, not the small filing fee. Call now and a licensed agent quotes companies that file in your state and gets your SR-22 filed today.
The small filing fee
The insurer charges this once, when it sends the form to the state. Allstate puts it at about $15 to $50. Each company sets its own, and the agent gives you the number before you buy.
Your state adds its own fee to give the license back. One state charges $100 before it renews or issues the license. You pay both fees once. Neither one is the big number.
The premium increase, by reason
The premium goes up because of what put you here, not because of the form. Insurers add a surcharge for the violation and keep it for a set period. One state's insurance regulator says that period is typically three years.
That same state's rules show how big a surcharge can get:
- A first at-fault accident can raise the premium by up to 40% under many rating plans.
- A surcharge generally cannot push the premium past three times the base.
- The insurer must tell you the exact dollar amount of each surcharge.
- An accident under $2,000 with no injuries generally cannot be surcharged.
A DWI conviction is one of the listed reasons for a surcharge there. Rules differ from state to state. One state's rating changes from July 1, 2025 lengthen the surcharge for convictions carrying 4 or more points. It goes from 3 years to 5 years.
The agent shows each quote's surcharge in dollars and how many years it lasts.
Estimate for your state
| State | Reinstatement fee | Years on file |
|---|---|---|
| Alabama | $100 | on your notice |
| Alaska | $100 | 3 years |
| Arizona | $20 | 3 years |
| California | $125 | 3 years |
| Colorado | $95 | nine months to three years |
| Connecticut | $175 | 12 months before you can ask for removal |
| Delaware | $50 | on your notice |
| District of Columbia | $115 | 3 years |
| Florida | $150 | 3 years |
| Georgia | $300 | 3 years |
| Hawaii | on your notice | 3 years |
| Idaho | $285 | 3 years |
| Illinois | $100 | 3 years |
| Indiana | on your notice | 180 consecutive days, insurance suspension |
| Iowa | $20 | 2 years |
| Kansas | $100 | 1 year |
| Kentucky | $40 | on your notice |
| Louisiana | $100 | 3 years |
| Maine | $50 | 3 years |
| Maryland | $90 | on your notice |
| Massachusetts | $100 to $1,200 | on your notice |
| Michigan | $125 | on your notice |
| Minnesota | $30 to $680 | one calendar year |
| Mississippi | $175 | 3 years |
| Missouri | $20 | two or three years |
| Montana | $100 | 3 years |
| Nebraska | $125 | 3 years |
| Nevada | $75 | 3 years |
| New Hampshire | $100 | 3 years |
| New Mexico | $102 | on your notice |
| North Carolina | $83.50 | 3 years |
| North Dakota | $50 to $100 | 1 year |
| Ohio | $40 | 1 year |
| Oregon | $85 | 3 years |
| Pennsylvania | $119 | on your notice |
| Rhode Island | $153.50 | on your notice |
| South Carolina | $100 | 3 years |
| South Dakota | $75 to $225 | 3 years |
| Tennessee | on your notice | the length of the suspension or revocation |
| Texas | $100 | 2 years |
| Utah | $40 | 3 years |
| Vermont | $96 | 3 years |
| Virginia | $600 | 3 years |
| Washington | $75 to $170 | 3 years |
| Wisconsin | $60 | 3 years |
| Wyoming | $50 | 3 years |
The tool shows your state's filing period, reinstatement fee and minimum limits. States set all three differently. No state publishes premiums. Only a quote gives you the monthly price, so call now and get real numbers for your record.
Companies that charge less
Price depends on your record, so the cheapest company for a neighbor may not be yours. Costs vary from company to company. The agent quotes several companies that file SR-22s in your state, on the same call, with the same limits.
See the companies that file, or read about Progressive and Dairyland.
Ways to keep the price down
- If you have no car, buy a non-owner policy. It covers less and costs less. See SR-22 without a car.
- Pay six or twelve months up front when the company offers a discount for it.
- Get a defensive driving course discount where your state allows one.
- Never let the policy lapse. The insurer reports it to the state, and the license is suspended again.
Call now and the agent applies every discount you qualify for on each quote.