Finding DUI insurance

DUI insurance frequently asked questions


Some state laws require those convicted of drunk driving offenses to obtain SR-22 vehicle (high risk) insurance for a set period of time following your offense. It is important to pay attention to the terms of your auto insurance. Some insurance companies will terminate your policy upon receiving a DUI.


What type of insurance do I need and what does it cover? 

If required, you may need special high-risk auto insurance following an alcohol-related traffic offense. An SR-22 is a Certificate of Financial Responsibility that verifies you have liability coverage included in your car insurance. In some states the form is referred to as a FR-44. It may be required in order to reinstate a suspended license. 


How do I obtain an SR-22?

You will need to go through an insurance company to obtain an SR-22. They will have to file the form with your state’s DMV.  Keep in mind not all insurance providers offer the SR-22. 


 How much does an SR-22 cost? 

If you have an SR-22 requirement, your car insurance company will likely classify you as a high risk driver. This will cause your premiums to go up throughout the duration of the requirement. Similar to your current insurance plan, your rate will be determined based on your provider, your driving history as well as the type of car you drive.

The filing fee for the SR-22 or FR-44 is typically between $25 and $50. 


Learn more about specific costs and pricing details for SR-22 insurance 


How is SR-22 insurance different than my regular car insurance?

An SR-22 or FR-44 is not actually insurance; it is a certificate verifying that you have liability coverage as part of your car insurance. It does, however, change your insurance rate. 


Why do I need special insurance?

A lot of the time, the Department of Motor Vehicles will require an SR-22 for high risk drivers before reinstating their license.  

  • DUI offenders
  • Reckless Driving
  • Accidents caused by uninsured drivers


How long will I need SR-22 insurance for? 

The duration of time you’re required to keep an SR-22 depends on the severity of the offense and the state you were convicted in. 




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