SR-22 After DUI: What You Need, What It Costs
Get state-specific SR-22 filing requirements, non-standard carrier options, and actual rate ranges across all 50 states.
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Tell us your state and your conviction details
See which carriers actually write DUI-SR-22 in your state and what they charge
File SR-22 and start the reinstatement process. No obligation
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
SR-22 InsuranceSR-22 is a state-mandated proof of insurance filing, not a separate policy. Your carrier submits it to the DMV to verify continuous liability coverage for 3–5 years depending on your state and offense.
Non-Owner SR-22Non-owner SR-22 satisfies filing requirements if you don't own a vehicle but need to reinstate your license. Costs $25–$50/month for liability-only coverage with the SR-22 endorsement.
Liability InsuranceState minimum liability is the lowest coverage legally allowed and the baseline for SR-22 filing. Typical minimums are $25,000/$50,000/$25,000 bodily injury and property damage.
Uninsured Motorist CoverageUninsured motorist coverage pays your medical bills and vehicle damage when hit by a driver with no insurance. Required in 20 states and often bundled with SR-22 policies in high-risk markets.
Non-Standard Auto InsuranceNon-standard carriers specialize in high-risk drivers, including post-DUI filings. Expect rates 50–150% higher than standard market, with fewer discount options and stricter underwriting.
Full Coverage After DUIFull coverage combines liability, collision, and comprehensive. Required if you have a car loan or lease, even with SR-22 filing, and typically doubles your post-DUI premium compared to liability-only.Recent Articles
7/13/2026Liability vs Full Coverage During SR-22 ILIllinois SR-22 filing requires liability coverage. Collision and comprehensive add 40-70% more in the non-standard market. Compare rates before you buy.
7/13/2026Texas SR-22 Cost After DUITexas SR-22 filing is $25-$50, but DUI premiums hit $399-$412/month. Non-standard carriers to compare first.
6/11/2026Texas SR-22 Certificate vs PolicyThe SR-22 is a DPS filing proving coverage, not a policy itself. Texas requires 2-year filing after DWI. Compare carriers that write both.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIFrequently Asked Questions
How long do I need SR-22 filing after a DUI?
Most states require SR-22 filing for 3 years after a first-offense DUI, measured from your conviction date or license reinstatement date depending on state law. Repeat offenses or aggravated DUI convictions extend filing periods to 5 years in states like California, Florida, and Ohio.
Which insurance companies offer SR-22 filing after DUI?
Non-standard carriers like The General, Direct Auto, Bristol West, and Acceptance Insurance specialize in SR-22 filings after DUI. Progressive and State Farm write SR-22 policies in select states but often non-renew after conviction. Availability varies by state and conviction class.
What happens if my SR-22 policy lapses?
Your carrier notifies the DMV within 24 hours of cancellation or non-payment. The state suspends your license immediately and restarts your filing period from zero in most jurisdictions. Reinstatement requires a new SR-22 filing, reinstatement fee, and proof of continuous coverage going forward.
Do I need SR-22 if I refuse a breathalyzer test?
Yes. Implied consent refusal triggers the same SR-22 requirement as DUI conviction in 47 states. Refusal often results in longer license suspension and extended SR-22 filing periods compared to first-offense DUI with chemical test compliance.