SR-22 · Originally published December 19, 2016 · Updated November 2026
When people see their first SR-22 quote, the price can be a shock. The good news is that there is often room to bring it down. To find that room, it helps to understand where the cost really comes from.
There are two separate pieces:
A DWI, an at-fault accident or a period without insurance can all raise the premium. The SR-22 form doesn't cause the increase; the history behind it does. For a closer look, see what an SR-22 costs in Missouri.
Compare several companies. Insurers rate the same driving record very differently. Some specialize in drivers who need an SR-22, and others are more selective. An independent agency can compare carriers like Progressive, GEICO, Dairyland and others in one call.
Go non-owner if you don't have a car. If you have sold your vehicle or never owned one, a non-owner SR-22 policy covers only your liability when driving a car you don't own. It is often less expensive than an owner policy.
Look at your vehicle coverage. If your car is paid off and older, ask whether comprehensive and collision still make sense for you. If it is financed, your lender will likely require them, but a higher deductible may lower the premium.
Ask about discounts. Depending on the company, you may still qualify for discounts such as paying in full, automatic payments, bundling with renters or home insurance, or other options. Ask what applies.
Avoid a lapse. A cancellation can lead to a new suspension, reinstatement costs and a weaker insurance history, all of which can raise future prices. Staying continuous is one of the best money-saving moves you can make. See what happens if an SR-22 lapses.
A few common ideas can backfire:
Your price today is not your price forever. As violations age and you build a clean record, you may qualify for better rates. Ask your agent to compare companies at renewal. Once your SR-22 period ends, confirm with the Department of Revenue and then review your options again. Our article on lowering your car insurance has more ideas.
Want to see whether your SR-22 cost can come down? Call us at 417.865.4800 and we will compare companies for you. You can also visit our SR-22 insurance page.
It depends on the company. Some charge once and others charge at each renewal, so ask when you buy the policy.
Many companies offer monthly payment plans. Choose one you can keep up with, since a missed payment can cancel the policy and the filing.
Or send your details and an agent will call you back. Most auto quotes are finished on one call, and you can buy before you hang up.