sr22finderStart with the certificate, not the price
Most people arrive here having been told, by a court or by a licensing agency, to “get an SR-22”. The phrase is misleading in a way that costs money: there is no such product. There is an ordinary liability policy, and there is a one-page certificate the insurer files against it. You cannot buy the certificate on its own, you cannot file it yourself, and a carrier that declines to file is simply not part of your market — which is the real reason quotes for the same driver come back so far apart.
What an SR-22 actually is takes the instrument apart in detail. If you already know all that, the numbers are below.
What does your state require?
Seven states have had their minimum liability statute read directly. Pick one and you get the figures and the authority, not a national average.
Three things almost every page on this subject gets wrong
One: “the state minimum” is not one number
Florida requires $100,000 of bodily-injury cover for one person. Ohio requires $25,000. Both of those are a state minimum, both are certified by a form of this kind, and an agency quoting you “minimum limits” is quoting a different product in each.
The same diagram as a table
| State | Form | Shorthand | Amounts | Authority |
|---|---|---|---|---|
| Florida | FR-44 | 100/300/50 | $100,000 per person / $300,000 per accident / $50,000 property damage | Fla. Stat. sec. 324.023 |
| Virginia | FR-44 | 50/100/25 | $50,000 per person / $100,000 per accident / $25,000 property damage | Va. Code sec. 46.2-472(B) |
| California | SR-22 | 30/60/15 | $30,000 per person / $60,000 per accident / $15,000 property damage | Cal. Veh. Code sec. 16430(a) |
| Texas | SR-22 | 30/60/25 | $30,000 per person / $60,000 per accident / $25,000 property damage | Tex. Transp. Code sec. 601.072(a-1) |
| Ohio | SR-22 | 25/50/25 | $25,000 per person / $50,000 per accident / $25,000 property damage | Ohio Rev. Code sec. 4509.51(B)(1)-(3) |
| Arizona | SR-22 | 25/50/15 | $25,000 per person / $50,000 per accident / $15,000 property damage | A.R.S. sec. 28-4009(A)(2)(b) |
| Washington | SR-22 | 25/50/10 | $25,000 per person / $50,000 per accident / $10,000 property damage | RCW 46.29.090(1) |
Two: the figures go stale, and the old ones are still on the page
California moved to 30/60/15 for policies issued or renewed on or after 1 January 2025. A great deal of the SR-22 industry still publishes the previous figure. The mechanism is visible in Virginia's statute, where the superseded amounts and the current ones sit in adjacent subsections of the same section, correctly formatted, with nothing marking one as dead.
That is why every number on this site carries a date next to its citation. It is a cheap habit and it is the whole difference between a figure and a rumour.
Three: “three years” describes three different mechanisms
Texas releases at the second anniversary of the collision, conditional on no damages action having been brought. California runs three years from the date proof was required. Washington runs three years too — but as a rolling look-back, so a qualifying conviction partway through moves the end date rather than adding to it. Florida measures its three years from the date driving privileges were reinstated, which is a later date than most people count from.
Four states, four clocks sets them side by side.
Start with your ZIP
We will carry it up to the form at the top. Nothing is sent until you press the button.
Where to go next
Why this site has nothing to gain from your answer. We are paid a fixed amount for each enquiry, agreed before it is sent. It does not move with your premium, with whether you buy, or with which agency you pick. So there is no version of this page where steering you is worth anything to us.
What to do this week
In rough order of how much each step is worth, and none of them involve buying anything yet.
Read the notice for its dates. Which form, from when, and until when. Those three answers are on the document and nowhere else, and every quote you collect is only meaningful against them.
Write down your state's three amounts. They are on the state page here, with the section they came from. Having them in front of you turns “state minimum” from a phrase into a check you can perform while somebody is quoting you.
Ask each agency the binding question first. Not “do you do SR-22” but “will you file for me, at these limits, with this state”. Carriers are not obliged to file, and the difference between your quotes is mostly a difference in appetite rather than in price.
Decide about the property-damage limit deliberately. It is the one genuinely discretionary number in this process. Statutory floors range from $10,000 to $50,000 across the states here, and the lower end has not kept pace with what a vehicle costs. You are buying this policy for years, not months.
Then set up the payment so it cannot lapse. The commonest cause of a failed filing is a missed installment rather than a decision, and a lapse does not pause any of the clocks described above.
Common questions
What is an SR-22?
A certificate your insurer files with a state agency confirming that a policy meeting that state's minimum liability limits is in force, and undertaking to notify the state if it stops being in force. It is not a policy and it adds no coverage.
Is SR-22 insurance a separate kind of insurance?
No. There is a policy, and there is a certificate attached to it. What people call “SR-22 insurance” is an ordinary liability policy from a carrier willing to file.
How long do I need one?
It depends on the state and on what the clock is measured from. Texas works on a two-year frame from the date of the collision; California and Washington on three years from the date proof was required; Florida's FR-44 on three years from reinstatement.
Do you sell insurance?
No. We publish the requirements and we pass enquiries to licensed agencies for a fixed fee agreed in advance. We are not an agency, not a producer and not a broker, and we do not rank or recommend anyone.
Why does this site only cover a few states?
Because it only publishes numbers it has read from a state's own statute. Seven states' limits have been read; four of those have had their filing period read too, and those four have full pages.
The one number nobody publishes, and why
People arrive looking for a price and leave without one, here and everywhere else, and it is worth saying plainly why rather than letting it look like evasion.
An SR-22 premium is the product of at least four things: your driving record, your state's statutory minimum, the vehicle, and whether a particular carrier wants the business at all. The second of those varies fourfold across the states on this site. The fourth is not published by anybody and changes as carriers adjust appetite. An average across all of that is an average across products that are not the same product, and it would mislead more reliably than it informed.
What can be said usefully is where the variance comes from. The insurer's charge for sending the certificate is small and broadly similar everywhere — it is not what makes this expensive, and comparing providers on it compares the wrong number. The spread you will see between quotes is almost entirely the policy underneath, priced by carriers who feel very differently about the event on your record. Which is why the useful question to put to an agency is not what it costs but whether they will file at all.
Why the reading is the product
There is a direct competitor in an adjacent vertical whose cost pages carry a line describing their figures as estimates synthesized from public market data using AI research. No sample size, no source, no date. It is worth sitting with how little that sentence commits to.
The alternative is not cleverness, it is legwork, and it is checkable in a way an estimate never is. Every dollar amount on this site was read out of a statute on a stated day, is published next to the section it came from, and carries the date that version took effect. Where a state's own website could not be reached from the machine this was built on, the text was read from a published reproduction and the state's canonical URL is printed beside it so the two can be compared.
The cost of that discipline is coverage. Seven states are here rather than fifty, three interlock provisions rather than all of them, and several questions that other pages answer confidently are answered here with an explicit refusal. That trade is deliberate: a page that cannot tell you where its number came from is not saving you any work, because you will have to check it anyway.
What this site is not
It is not an insurance agency. We hold no license in any state, we do not sell, bind, alter or renew cover, and nothing here is insurance, legal or financial advice. We publish what the statutes say and we sell advertising to licensed agencies at a fixed price per enquiry, set in advance. What that means in practice, and what happens to an enquiry after you send it, is set out on the disclaimer page linked in the footer. How the figures were gathered is on the methodology page.