SR22 Insurance.
Filed Today.
Court-ordered SR22? We connect you with licensed agents who specialize in high-risk filings in all 48 states — fast, affordable, same-day filing. No judgment.
- SR22 filings in all 48 states — starting at $38/mo
- Same-day electronic filing with your state DMV
- Owner and non-owner policies available
- Lowest rates — we shop Dairyland, Progressive, Bristol West & more
Get Your Free SR22 Quote
Takes under 2 minutes. No obligation.
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10 Min
Avg. Filing Time
5.0
Stars RATING
48
SR22 States Covered
1,000+
Filings Completed
SR22 Insurance — Nationwide
The Fastest Way to Get Your SR22 Filed.
We specialize in SR22 filings for high-risk drivers in all 48 states.
Get matched with a licensed agent, get your rate, and get filed — same day.
With a Car
SR22 With a Vehicle
You own or regularly drive a car and need to file an SR22 to reinstate your driving privileges.
- Covers your registered vehicle
- Required after DUI, reckless driving, or license suspension
- Available in all 48 states we serve
Without a Car
Non-Owner SR22
You don't own a vehicle but still need an SR22 filing to legally drive or maintain your license status.
- No vehicle required
- Lower monthly rates
- Ideal if you borrow, rent, or use rideshare vehicles
SR22 Filing Required? We Handle It Fast.
An SR22 is a certificate of financial responsibility your insurer files with the DMV proving you carry the minimum required liability coverage. Courts and states require it after serious driving violations. We make the filing fast and painless.
Required after DUI, reckless driving, driving uninsured, or license suspension
Available in all 48 SR22 states — owner and non-owner policies
Electronic filing submitted to your state DMV same day
We shop Dairyland, Progressive, Bristol West, National General & more
Usually required for 2–3 years — we handle every renewal automatically
SR22 Insurance — Nationwide
SR22 & Every Filing Type — All 48 States
SR22 for all 48 states. Non-owner options for drivers without a vehicle.
FR44 for Florida and Virginia DUI filings. We cover every scenario.
SR22 · All 48 States
SR22 Auto Insurance
Affordable SR22 auto policies with same-day electronic filings. We shop all major carriers — Dairyland, Progressive, Bristol West, National General, and more.
SR22 · No Vehicle
Non-Owner SR22
Don't own a car but need to reinstate your license? Non-owner SR22 provides the liability coverage required to file — at lower rates than a standard auto policy.
High Risk Nationwide
DUI Insurance
Following a DUI conviction, most states require an SR22 alongside a high-risk auto policy. We specialize in this exact situation and find you the lowest rate available.
SR22 · LICENSE REINSTATEMENT
Suspended License Insurance
Need insurance to reinstate a suspended license? We handle the SR22 filing your state requires so you can get your driving privileges restored as fast as possible.
FR44 · FL & VA ONLY
FR44 Insurance
Florida and Virginia require FR44 instead of SR22 after a DUI. FR44 carries higher liability limits — we specialize in both states and file your certificate the same day.
FR44 · NO VEHICLE
Non-Owner FR44 Insurance
Required in Florida and Virginia if you've had a DUI but don't own a vehicle. An FR44 non-owner policy meets state filing requirements at a lower cost than standard FR44 coverage.
SR22 Insurance — Nationwide
Get Your SR22 Filed in 3 Steps
From your first call to a filed certificate — the process typically takes 10 minutes or less.
Tell Us What You Need
Call 888-620-7722 or fill out the form. Tell us your state, filing type (SR22 or FR44), and situation — we'll match you to the right licensed agent instantly.
Get Your Free Quote
We shop Dairyland, Progressive, Bristol West, National General, and more to find you the lowest available rate. No obligation — just a fast, personalized quote.
Filed Same Day
Once you approve your policy, your SR22 or FR44 is filed electronically with your state DMV — often within hours. License reinstated. Back on the road.
Free, no-obligation SR22 quote. Licensed agents available now.
Know the Difference
SR22 vs FR44 — Side by Side
Not sure which filing you need? Here's how SR22 and FR44 compare across the factors that matter most.
SR22
FR44
States Required
All 48 SR22 states
Florida & Virginia only
Common Triggers
DUI, no insurance, reckless driving, suspended license
DUI / DWI conviction
Liability Limits (FL example)
10/20/10 minimum
100/300/50 required
Non-Owner Option
✓
✓
Same-Day Filing
✓
✓
Typical Duration
2–3 years
3 years
Starting Monthly Rate
From $38/mo
From $49/mo
We Cover It
✓
✓
Why SR22 Direct
10+ Years. Licensed in All 48 States.
SR22 Experts.
Immediate Processing
We know time is critical. Our streamlined process gets your SR22 or FR44 filed the same day — minimizing any delay in getting back on the road.
Lowest Rates Guaranteed
We shop all major high-risk carriers — Dairyland, Progressive, Bristol West, National General — so you get the lowest rate available in your state.
SR22 & FR44 Specialists
Most insurers see SR22 and FR44 as a headache. We specialize in it. Our agents know every state's requirements inside-out, including FR44's higher limits.
Truly Nationwide
Licensed agents in all 48 SR22 states, plus FR44 specialists in Florida and Virginia. Wherever you are, we have the right agent for your filing.
FIND YOUR COVERAGE
Not Sure What You Need? We'll Help You Figure It Out.
SR22 requirements vary depending on your state, your driving history, and whether you own a vehicle. Our team specializes in finding the right filing type for your situation — fast.
Whether you need a standard SR22, a non-owner policy, or an FR44 in Florida or Virginia, we've got you covered in all 48 states.
SR22 Insurance
Need an SR22?
We File in All 48 States.
Standard and non-owner SR22 policies available. Most drivers are filed and covered the same day.
FR44 Insurance
Need an FR44?
We Specialize in FL & VA.
FR44 policies for Florida and Virginia drivers — with and without a vehicle. Get filed quickly and move forward.
5.0 — Trusted by 1,000+ Drivers Nationwide
Real reviews from real drivers who needed SR22 insurance — fast
"They made the process of getting my SR-22 so easy and affordable. I was amazed at how quickly they emailed me the certificate — in just 10 minutes! Highly recommend for anyone looking for quick, cheap, and hassle-free SR-22 insurance."
Bantul Riyatno
SR22 Insurance
"I'd just like to thank Evan and his team for being extremely professional, patient, and efficient. Very knowledgeable and made it easy to understand. Talking me step-by-step through the process absolutely made this easier."
Jasmine Marie
SR22 Insurance
"After dealing with multiple insurance companies, I finally found one with fair pricing. Customer service from Evan was amazing. I highly recommend SR22 Direct for anyone needing high-risk insurance."
Jordan Windsor
SR22 Insurance
"Dealing with SR22 was stressful until I found SR22 Direct. They walked me through the process quickly, making what seemed complicated very straightforward. Efficiency, affordability, and genuine care — they have it all."
Ang Wen Jie
SR22 Insurance
"They gave me a great price and processed everything quickly. No hassle. The representative was so friendly, informative, and helpful. I highly recommend this company to anyone who needs SR22."
Terrika Burton Hobbs
SR22 Insurance
"Highly recommend if you're looking for the easiest way to get insurance. Had the pleasure of dealing with Evan — he was extremely helpful and made the whole process quick and easy."
Julie Rosa
SR22 Insurance
Nationwide Coverage
SR22 Insurance by State
Select your state for SR22 requirements, cost ranges, and filing timelines. In Florida and Virginia, FR44 is required for DUI convictions.
Florida
Texas
California
Ohio
Colorado
Michigan
Indiana
Tennessee
Alabama
Arkansas
Louisiana
Kentucky
Nebraska
Mississippi
Wisconsin
Minnesota
W. Virginia
Maryland
Connecticut
New Jersey
New Hampshire
Vermont
Rhode Island
Massachusetts
Illinois
Georgia
Virginia
Arizona
Missouri
N. Carolina
Washington
Nevada
S. Carolina
Utah
Iowa
Kansas
Oregon
Idaho
Montana
Wyoming
New Mexico
Alaska
Hawaii
Maine
N. Dakota
S. Dakota
Oklahoma
Delaware
faq
Frequently Asked Questions
Everything you need to know about SR22 and FR44 filings, costs, state requirements, and getting your license reinstated.
What is an SR22 and do I need one?
An SR22 is not insurance itself — it's a certificate of financial responsibility that your insurer files with your state DMV on your behalf. It proves you carry the minimum required liability coverage. Courts and states require it after serious driving violations like DUI, driving without insurance, reckless driving, or license suspension.
How fast can I get my SR22 filed?
Most of our clients are filed within 10 minutes of their first call. Once you approve a policy, your agent submits the SR22 electronically to your state DMV — often the same day. You'll receive your certificate by email immediately.
How much does SR22 insurance cost?
SR22 auto insurance starts around $49/month for vehicle owners and $38/month for non-owner policies, depending on your state and driving record. We shop all major high-risk carriers — Dairyland, Progressive, Bristol West, and National General — to find you the lowest available rate.
How long do I need to carry SR22 insurance?
Most states require SR22 coverage for 2–3 years. If your policy lapses at any point, the filing clock typically resets and your license can be suspended again. We monitor your policy and handle every renewal automatically so you never have to worry about a lapse.
Can I get SR22 insurance if I don't own a car?
Yes. A non-owner SR22 policy provides the liability coverage needed to reinstate your license without owning a vehicle. It's typically cheaper than a standard auto policy and works exactly the same way for your DMV filing requirement.
Do you cover all 48 SR22 states?
Yes — we have licensed agents in all 48 states that require SR22 filings. A small number of states (including New York and Pennsylvania) use different filing systems. Call us and we'll tell you exactly what's required in your state and get you set up the same day.
What's the difference between SR22 and FR44?
FR44 is required exclusively in Florida and Virginia after a DUI conviction. It works like an SR22 but mandates significantly higher liability limits — 100/300/50 in Florida vs. the standard 10/20/10 minimum. If you're in Florida or Virginia with a DUI, you need FR44, not SR22. We handle both.
