What an SR-22 costs
Checked against official state sources · Last reviewed October 6, 2026
The SR-22 is a filing, not a policy, so what you pay comes from three places: the state's fees to get your license back, any charge your insurer adds for the filing, and the insurance policy behind it. Insurers set their own premiums, so no one can honestly quote you one price. What we can show you is every cost the states themselves set that we could confirm from official sources.
State SR-22 fees
Tennessee is the one state where we confirmed a state fee for the SR-22 itself: $50, paid to the Department of Safety when proof of financial responsibility is a condition of reinstatement, one fee per person.
For most states we found no state SR-22 fee listed. That isn't the same as confirming there's none, so check your state's page. [1]
What insurers can charge for the filing
Insurers may add their own charge for filing the SR-22. Connecticut is the one state we found that caps it by law: an insurer may charge no more than $10 for the filing, and can't refuse to make it while your policy is in force. We didn't find a similar cap elsewhere. [2]
Reinstatement fees
This is the cost states set directly. Among the 49 states where we confirmed the base reinstatement fee, the median is $85. The lowest is $10 in Arizona; the highest is $250 in Indiana.
The base fee is often only part of it. Texas charges a separate fee for each type of suspension, $125 for an administrative license revocation after a DWI arrest and $100 for most others, and they add up. Indiana's no-insurance fee rises to $500 for a second suspension and $1,000 for a third or later (for suspensions after January 1, 2015). [3][4]
Coverage requirements shape your policy
The SR-22 proves you carry at least your state's minimum liability coverage, and some states require more after a DUI. Florida's FR-44 requires 100/300/50 instead of the usual 10/20/10. Virginia's FR-44 requires double its SR-22 limits, 100/200/50. Georgia's DDS DUI rule calls for 50/100/50 after a first DUI conviction and 100/300/100 after a second or later one.
Your policy has to meet these limits for the whole filing period, so they shape what you buy. Each state's page lists its minimums. [5][6][7][8]
Official ways to lower what you owe the state
In Indiana, the no-insurance reinstatement fee isn't owed if your insurer files an SR22 and you keep it continuously for 180 days.
Ohio's BMV lets you pay at least $25 every 30 days if you owe at least $150 and meet the other requirements, and its amnesty program can reduce some fees. Drivers on SNAP, Medicaid, Ohio Works First, SSI, or a VA pension can qualify for a full waiver.
South Carolina offers a 12-month payment plan if you owe at least $200, and Tennessee offers one if you owe more than $75. Not every state does: Texas can't reduce, waive, or split its reinstatement fees. [3][4][9][10][11]
Don't pay twice
A lapse can cost you the fees all over again. In Texas, if your SR-22 lapses your license can be suspended again until you file a new one and pay another $100 reinstatement fee. Nevada's DMV says a lapse "will restart the three-year requirement." [12][13]
What we can't tell you
We don't publish insurance prices, because no official source lists them. Texas DPS notes that not every insurer offers SR-22 filings, so compare quotes from insurers that do, and check your state's official fees below. [12]
State by state
| State | Uses SR-22? | Base reinstatement fee | Minimum coverage | All fees |
|---|---|---|---|---|
| Alabama | Yes | $100 | 25/50/25 | Checklist |
| Alaska | Yes | $100 | 50/100/25 | Checklist |
| Arizona | Yes | $10 | 25/50/15 | Checklist |
| Arkansas | Yes (insurer certificate) | $100 | 25/50/25 | Checklist |
| California | Yes | $55 | 30/60/15 | Checklist |
| Colorado | Yes | $95 | 25/50/15 | Checklist |
| Connecticut | Yes (insurer certificate) | $175 | 25/50/25 | Checklist |
| Delaware | No, uses FR-19 | $50 | 25/50/10 | Checklist |
| District of Columbia | Yes | $115 | 25/50/10 | Checklist |
| Florida | Yes | $45 | 10/20/10 | Checklist |
| Georgia | Yes | $200 | 25/50/25 | Checklist |
| Hawaii | Yes | Not confirmed | 40/80/20 | Checklist |
| Idaho | Yes | $85 | 25/50/15 | Checklist |
| Illinois | Yes | $70 | 25/50/20 | Checklist |
| Indiana | Yes | $250 | 25/50/25 | Checklist |
| Iowa | Yes | $20 | 20/40/15 | Checklist |
| Kansas | Yes (insurer certificate) | $100 | 25/50/25 | Checklist |
| Kentucky | Not confirmed | $40 | 25/50/25 | Checklist |
| Louisiana | Yes | $100 | 15/30/25 | Checklist |
| Maine | Yes | $50 | 50/100/25 | Checklist |
| Maryland | No | $90 | 30/60/15 | Checklist |
| Massachusetts | No | $100 | 25/50/30 | Checklist |
| Michigan | Yes (insurer certificate) | $125 | 50/100/10 | Checklist |
| Minnesota | No, uses Insurance Certification (PS35016) | $30 | 30/60/10 | Checklist |
| Mississippi | Yes (insurer certificate) | $100 | 25/50/25 | Checklist |
| Missouri | Yes | $20 | 25/50/25 | Checklist |
| Montana | Yes (insurer certificate) | $100 | 25/50/20 | Checklist |
| Nebraska | Yes | $125 | 25/50/25 | Checklist |
| Nevada | Yes | $75 | 25/50/20 | Checklist |
| New Hampshire | Yes | $100 | 25/50/25 | Checklist |
| New Jersey | No | $100 | 35/70/25 | Checklist |
| New Mexico | No | $25 | 25/50/10 | Checklist |
| New York | No | $50 | 25/50/10 | Checklist |
| North Carolina | No, uses DL-123 | $83.50 | 50/100/50 | Checklist |
| North Dakota | Yes | $50 | 25/50/25 | Checklist |
| Ohio | Yes | $40 | 25/50/25 | Checklist |
| Oklahoma | No | $25 | 25/50/25 | Checklist |
| Oregon | Yes | $85 | 25/50/20 | Checklist |
| Pennsylvania | No | Not confirmed | 15/30/5 | Checklist |
| Rhode Island | No | $150 | 25/50/25 | Checklist |
| South Carolina | Yes | $100 | 25/50/25 | Checklist |
| South Dakota | Yes (insurer certificate) | $75 | 25/50/25 | Checklist |
| Tennessee | Yes | $65 | 25/50/25 | Checklist |
| Texas | Yes | $100 | 30/60/25 | Checklist |
| Utah | Yes | $40 | 30/65/25 | Checklist |
| Vermont | Yes | $96 | 25/50/10 | Checklist |
| Virginia | Yes | $145 | 50/100/25 | Checklist |
| Washington | Yes | $75 | 25/50/10 | Checklist |
| West Virginia | No | $50 | 25/50/25 | Checklist |
| Wisconsin | Yes | $60 | 25/50/10 | Checklist |
| Wyoming | Yes | $50 | 25/50/20 | Checklist |
From each state's verified data. "Not confirmed" means we haven't verified it from an official source yet.
Sources
- Tenn. Code Ann. 55-12-129 - Fees for reinstatement of license and registration (FindLaw, current as of Jan 2, 2024) (Tennessee, accessed Oct 5, 2026)
- Conn. Gen. Stat. 14-112 - Proof of financial responsibility (Chapter 246, current official text with history notes) (Connecticut, accessed Oct 5, 2026)
- Texas DPS - FAQ Section 7: Reinstatement Fees and Special Licenses (Texas, accessed Oct 5, 2026)
- Indiana Driver's Manual, Chapter 5 - Points, Suspension, and Insurance Requirements (Indiana, accessed Oct 5, 2026)
- Fla. Stat. 324.021 - Definitions; minimum insurance required (Florida, accessed Oct 5, 2026)
- Code of Virginia 46.2-472 - Requirements of motor vehicle liability insurance policy (minimum limits) (Virginia, accessed Oct 5, 2026)
- Georgia DDS - Rule 375-3-3-.02 Proof of Financial Responsibility for Probationary License (Georgia, accessed Oct 5, 2026)
- Georgia DDS - Rule 375-3-3-.24 Reinstatement Procedures for Suspensions Based on Convictions for Driving Under the Influence (Georgia, accessed Oct 5, 2026)
- Ohio BMV - Reinstatement Fees & Amnesty (Ohio, accessed Oct 5, 2026)
- SCDMV - Verify Payment Plan Eligibility (South Carolina, accessed Oct 6, 2026)
- Tennessee Department of Safety and Homeland Security - Installment Payment Plan (Tennessee, accessed Oct 6, 2026)
- Texas DPS - FAQ Section 9: SR-22 (Proof of Financial Responsibility) (Texas, accessed Oct 5, 2026)
- Nevada DMV - Suspensions/Revocations & Reinstatement (Nevada, accessed Oct 6, 2026)