How Your SR-22 Rate Changes Year by Year
The first year of an SR-22 is usually the most expensive. Here's the typical pattern for a driver with one violation and no new tickets.
| Period | What usually happens |
|---|---|
| Year 1 | The highest premium, because the violation is fresh |
| Year 2 | Some carriers ease pricing at renewal, so requote |
| Year 3 | Pricing often improves further as the violation ages |
| After the filing ends | The SR-22 is removed, but the violation may still affect rates for 3 to 10 years |
How to speed up the drop
- Keep a clean record.
- Don't let the policy lapse.
- Shop around at every renewal.
Will my insurer lower my rate automatically?
Sometimes, but not always. Comparing carriers is the reliable way to capture savings.