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Non-Owner SR-22 Cost Estimator
Key takeaways
- Most non-owner SR-22 policies land between about $38 and $80 a month.
- A DUI usually has the biggest effect on price, followed by age and state.
- This is an estimate. Only a real quote reflects your full driving record.
How this estimator works
We start from a national average of roughly $575 a year for a non-owner SR-22 policy, which is in line with published industry studies. We then adjust it with typical multipliers for your state's price level, the violation behind your SR-22, your age group and your coverage level. The result is shown as a range, because two carriers can price the same driver very differently.
Why your real quote might differ
- ZIP code: City ZIP codes can cost far more than rural ones in the same state.
- Multiple violations: The estimator assumes one main violation.
- Carrier appetite: Some insurers specialize in high-risk drivers and price them more competitively.
- Payment plan: Paying in full often earns a discount.
For details on each factor, read our non-owner SR-22 price guide.