Get Back on the Road With the Right Coverage
Compare SR-22 filing requirements, non-standard carrier options, and post-reinstatement rates across all 50 states.
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How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required 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.
Post-Reinstatement SR-22 InsuranceSR-22 is a filing, not a separate policy—your insurer submits it to prove you carry state-minimum liability. The filing itself costs $25-$50, but your premium will increase 50-100% with the high-risk classification.
Non-Owner SR-22If you lost your vehicle during suspension or rely on borrowed cars, non-owner SR-22 maintains your filing requirement without insuring a specific vehicle. Policies typically run $30-$60/month depending on your violation history.
Non-Standard Auto InsuranceStandard carriers decline most post-suspension drivers, but non-standard insurers specialize in high-risk profiles. You'll pay higher premiums, but coverage is legally equivalent and accepted at the DMV.
Full Coverage After ReinstatementIf you have a car loan or lease, you'll need collision and comprehensive in addition to liability. Expect $150-$300/month for full coverage with an SR-22 filing, depending on your vehicle value and state.
Liability InsuranceState minimum liability is the legal floor—it pays others' expenses if you cause an accident, but nothing for your own vehicle or injuries. Limits vary by state, from 25/50/25 in California to 50/100/25 in Maine.
High-Risk Auto InsuranceDUI convictions, multiple at-fault accidents, or lapses in coverage move you into high-risk classification. Surcharges last 3-5 years, but rates improve as your violation ages and you maintain continuous coverage.Recent Articles
7/21/2026Virginia License Reinstatement FeeVirginia's DMV won't process reinstatement until your SR-22/FR-44 is active. Fees: $145, plus $175 if filing's required.
7/21/2026SC License Reinstatement FeeSouth Carolina's reinstatement fee is $100, but fines and 3-year SR-22 costs add up. Know the total before the DMV.
7/21/2026NY License Reinstatement FeeNY's $50 reinstatement fee comes last. Clear fines, tickets and DRA balances first, then see what you'll owe.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteFrequently Asked Questions
How long do I need to keep SR-22 filing active?
Most states require 3 years of continuous SR-22 filing after a DUI, measured from your conviction or reinstatement date. Some states require only 1 year for non-DUI suspensions, while a few mandate 5 years for repeat offenses. If your policy lapses during the filing period, your insurer notifies the DMV and your license suspends again.
What happens if I let my SR-22 insurance lapse?
Your insurer is legally required to notify your state DMV within 24 hours of cancellation or lapse. The DMV suspends your license immediately and restarts your filing clock from zero. You'll pay reinstatement fees again and need a new SR-22 filing before driving legally.
Can I switch insurance companies while my SR-22 is active?
Yes, but the new insurer must file a new SR-22 before you cancel the old policy. Any gap in coverage—even one day—triggers a DMV notification and license suspension. Coordinate the switch so your new SR-22 is on file before your old policy ends.
Which insurance companies accept drivers who need SR-22?
Standard carriers like State Farm and Allstate often decline post-suspension drivers. Non-standard insurers including Progressive, The General, Direct Auto, and Acceptance specialize in high-risk profiles and file SR-22s in all states. Regional carriers vary by state but are often the most affordable option.
When can I get standard insurance rates again?
High-risk surcharges last 3-5 years from your violation date in most states. After your SR-22 filing period ends and the violation drops off your motor vehicle record, you can shop standard carriers again. Your rate returns to normal if you maintain continuous coverage and avoid new violations during the surcharge period.