Full coverage (liability + comp + collision, $500 deductible, 100/300/100). National average: $2,008. Updated 2026-09-01.
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The filing is one-time ($15-$50), so there's no monthly cost for the form itself. What you pay monthly is the re-rated premium: typically 1.3x to 1.75x what you paid before. On a $120-a-month minimum-coverage policy, that's roughly $156 to $210 a month depending on the offense.
No. An SR-22 only certifies that you carry the liability coverage the state requires — usually minimum limits. You can add comprehensive and collision to the same policy for full coverage, but the SR-22 requirement itself only involves liability.
Both are financial-responsibility filings, but the FR-44 — used in Florida and Virginia after a DUI — requires double the state's minimum liability limits. An SR-22 proves you carry the standard minimums; an FR-44 proves you carry twice that, which makes it noticeably more expensive.
Shop nonstandard-market carriers, not just the big brands: insurers price high-risk drivers wildly differently. Also compare non-owner policies if you don't need a car, raise your deductible on physical-damage coverage, and above all keep the policy active — a lapse during the filing period typically restarts the requirement and adds another violation to your record.