SR-22 Insurance Cost Calculator
Estimate your monthly payments instantly. See how DUIs, accidents, and vehicle types affect your California SR-22 insurance rates.
Last Updated: December 5, 2025 • Free to use, no signup required
Calculate Your Estimate
Estimated Monthly Cost
$12
per month
SR-22 Filing Fee:$12/mo
*Estimate based on California averages. Actual rates vary by carrier, location, and driving history.
What Affects Your SR-22 Rate?
Driving Record
The most significant factor. A DUI can double your rate, while a minor ticket might only increase it by 20-30%.
Location (Zip Code)
Rates vary by city. Los Angeles and San Francisco typically have higher rates than rural areas.
Vehicle Type
Expensive or high-performance cars cost more to insure. Older sedans are generally the cheapest.
Coverage Limits
State minimum liability is the cheapest option. Full coverage (Collision/Comprehensive) costs significantly more.
How to Lower Your SR-22 Costs
- 1.Compare Quotes: Prices for the same driver can vary by $100+ per month between companies.
- 2.Consider Non-Owner Insurance: If you don't need a car for daily commuting, a non-owner policy is much cheaper.
- 3.Increase Your Deductible: Raising your deductible from $500 to $1,000 can lower your monthly premium.
- 4.Bundle Policies: If you have renters or home insurance, bundle it with your auto policy for a discount.