What Does a Non-Owner SR-22 Cost? Real Driver Examples
Key takeaways
- National averages for non-owner SR-22 policies cluster around $480 to $900 a year.
- A DUI often doubles the price, and an FR-44 can triple it.
- Comparing carriers matters more here than with almost any other type of insurance.
Averages are useful, but you're not an average. Here's how the price of SR22 insurance for non-owners changes across four common situations. The figures are illustrative ranges based on published industry rate studies.
Four example drivers
| Profile | Situation | Typical monthly range |
|---|---|---|
| Maria, 38, Ohio | Was caught without insurance once | $30 to $50 |
| James, 45, Texas | First DWI, no accidents | $70 to $120 |
| Tyler, 22, Arizona | Suspended for points | $70 to $130 |
| Denise, 51, Florida | DUI with an FR-44 requirement | $90 to $170 |
Want a number for your own situation? Try the cost estimator.
The five biggest price drivers
- The violation. DUIs and uninsured crashes weigh the most.
- Your age. Drivers under 25 pay considerably more.
- Your state and ZIP code. Louisiana and Connecticut sit near the top, while the Dakotas and Iowa sit near the bottom.
- Required limits. FR-44 states demand much higher coverage.
- Your insurance history. A long gap without coverage costs extra.
Costs beyond the premium
- An SR-22 filing fee, usually one time
- A state reinstatement fee
- An interlock lease, if one is required after a DUI
- Court costs and classes
Price questions
Will my price go down over time?
Usually. Violations weigh less as they age, so requote every renewal.
Is paying in full cheaper?
Often, yes. Many carriers discount paid-in-full policies, and paying in full removes the risk of a missed payment.