SR-22 Insurance Rates Are Going Up. Find the Best Rates in Your State.
DUI insurance and SR-22 certificate costs are expected to rise in 2026. Find out which states and drivers will see the biggest changes, and how to save now.
Key Takeaways:
- SR-22 and DUI insurance rates are expected to rise sharply in 2026.
- Some states, like California, Texas, and Florida, will see the largest swings.
- Drivers in every state could see significant DUI and SR-22 premium increases.
Across the country, drivers are feeling the squeeze of higher insurance costs: medical, home, and auto alike. For high-risk drivers who need SR-22 or driving under the influence (DUI) insurance, that squeeze will likely get tighter in 2026.
Several major insurers have scaled back coverage for SR-22 policies, especially in states with strict DUI penalties. Fewer options often mean higher prices. But the good news? Some carriers are offsetting hikes with usage-based discounts, e-filing efficiencies, and pay-per-mile plans. Here’s what to expect in 2026, and how to make sure you’re getting the best SR-22 insurance rates available in your area.
This informational blog provides essential information about car insurance after a DUI. It is not to be used as legal advice. Always consult a qualified DUI attorney to assist with any legal questions you may have. If you have immediate questions about SR-22 insurance, call a Breathe Easy licensed insurance agent at (833) 786-0237.
What Is SR-22 Insurance?
An SR-22 is not a type of insurance. It’s a form your insurance carrier files with the state to prove you meet minimum auto liability requirements after a serious driving violation, like a DUI, reckless driving, or driving without insurance.
When Do You Need SR-22 Insurance?
Most states require an SR-22 after a license suspension or DUI conviction. It’s usually mandatory for three years, though it can vary by state. During that time, any lapse in coverage could restart your requirement period or lead to another suspension.
What's the Difference Between SR-22 and FR-44 Insurance?
While SR-22 proves financial responsibility for general high-risk drivers, FR-44 insurance (used only in Virginia and Florida) is a more severe requirement imposed after DUI offenses. It demands at least double the minimum liability coverage, making it significantly more expensive.
Why Are SR-22 DUI Insurance Rates Going Up?
SR-22 insurance rates are spiking due to increased risk and market volatility.
SR-22 drivers already fall into high-risk categories, but insurers are facing higher claim costs, tightened underwriting, and fewer competitors in the SR-22 space. When fewer companies offer coverage, prices rise.
In 2026, expect renewal rate increases between 8% and 18% in high-cost states, depending on your driving history and insurer.
Tip: If you're concerned your SR-22 insurance rates will skyrocket, give our licensed insurance agents a call at (833) 786-0237. Breathe Easy makes comparison shopping painless by gathering quotes from up to 11 carriers in just one phone call.
Which States Face the Biggest Increases?
While all states could be affected by premium increases, the biggest SR-22 insurance rate hikes are expected in:
- California: stricter DUI penalties and fewer SR-22 carriers
- Texas: increased liability requirements and higher claim rates
- Florida: FR-44 mandates and shrinking insurer participation
- Illinois, Ohio, and Nevada: moderate but steady increases due to rising repair costs and more accidents involving uninsured drivers.
How to Find Out If Your Rate Will Be Affected
Check your 2026 SR-22 insurance rate renewal projection with your carrier or contact a specialty SR-22 provider like Breathe Easy Insurance Solutions. Rates are heavily influenced by your:
- Violation date and type (DUI, reckless driving, or suspended license)
- State filing requirements (SR-22 or FR-44)
- Driving record since the conviction
- Chosen coverage limits and types
Getting quotes from multiple SR-22 carriers before your renewal is the best way to evaluate your SR-22 insurance rates. Breathe Easy licensed agents can help you get affordable DUI insurance in your state.
Get a free quote for SR-22 coverage. Let Breathe Easy do the comparison shopping for you.
Find Affordable SR-22 Insurance Now
Rising SR-22 insurance rates are becoming a major concern for drivers who need this high-risk coverage. Whether it’s due to a DUI or other serious driving violations, many states are seeing increases in premiums. Even in a tightening market, there are strategies to keep your rates manageable.
Tips and Tricks to Reducing Your DUI Insurance Costs
Understanding which factors influence SR-22 insurance rates and knowing how to manage them can help you stay compliant. Avoid unnecessary expenses and find the most affordable coverage available. Here's how:
- Compare quotes. Rates change fast; a new carrier may offer a better deal.
- Use telematics or safe-driving apps. Many insurers now offer usage-based discounts that reward good driving behavior.
- Bundle your policies. If you own a home or have renters insurance, bundling can reduce your SR-22 premium.
- Choose deductibles carefully with a full coverage policy. If you have limited savings, it makes sense to choose the lowest deductible possible.
- Maintain continuous coverage.
Avoid lapses; one missed payment could restart your SR-22 clock. - Ask about e-filing. Some insurers offer instant electronic SR-22 filing, speeding up reinstatement and often lowering fees
Can Installing an Ignition Interlock Device (IID) Reduce Your Insurance Premium?
The risk associated with the DUI conviction itself is what leads to the higher cost of car insurance after a DUI. Installing an IID does not erase the original cause, so it won’t trigger your rates to drop. However, installing an ignition interlock voluntarily can help promote safer driving. Over 90% of voluntary customers surveyed by our partner Intoxalock say the device is helpful and meets their needs.
How long will I need to pay higher SR-22 insurance rates?
Most states require 3 years of continuous SR-22-compliant auto insurance with a valid form on file before you are released from the obligation.
Contact your state's Department of Motor Vehicles or equivalent agency to verify the projected end date of your SR-22 requirement.
Breathe Easy Keeps Your SR-22 Insurance Rates Affordable
As 2026 approaches, finding cheap SR-22 insurance will involve comparing quotes and working with experienced providers who can evaluate your situation and your state’s requirements.
Breathe Easy Insurance partners with top-rated carriers that specialize in DUI-forgiving and SR-22 coverage. These carriers help drivers fulfill SR-22 mandates, reinstate licenses, and get back on the road faster without coverage lapses.
Breathe Easy is your one-stop shop to find the best insurance rates for SR-22 if you get hit with a premium increase in 2026. Contact us for your free quote today: (833) 786-0237.
FAQs: SR-22 Rate Hikes
How much does insurance go up after a DUI?
On average after a DUI, auto insurance increases more than 60%, but can reach as high as 200% in harsher-risk markets. Rate increases typically depend on your state and record. In some high-cost states like California or Florida, the premiums can even double or triple.
How long does your insurance rate stay high after a DUI?
After a DUI conviction, insurance rates typically remain elevated for 3 to 7 years, depending on your state and driving record. In some high-cost states, such as California and Florida, insurers may consider the DUI on your record for up to 10 years. Most carriers will gradually lower premiums over time if you maintain a clean driving record, complete any court-ordered programs, and fulfill all SR-22 or FR-44 requirements.
How much does SR-22 insurance cost?
SR-22 insurance typically involves a small filing fee in addition to your regular monthly premium. The exact cost varies based on your insurer, driving record, and state requirements. High-risk drivers can generally expect higher-than-average rates compared with standard auto insurance.
Will every insurer file an SR-22?
No. Many major carriers don’t handle high-risk policies. That’s why using a specialized SR-22 provider like Breathe Easy Insurance Solutions can save time and money.