High-Risk Insurance 101: Why A DUI Might Mean You Need An SR-22

A DUI (Driving Under the Influence) can have serious legal and financial consequences, including the requirement to obtain an SR-22 form before you can legally drive again. If you’ve been convicted of a DUI, you may be classified as a high-risk driver, which means your auto insurance options—and costs—will change.
​
In this guide, we’ll explain what an SR-22 is, why it’s required after a DUI, and how to get back on the road with the right insurance coverage.

1. What is an SR-22?
An SR-22 is not an insurance policy, but a certificate of financial responsibility that proves you have the state-required minimum auto insurance coverage. Your insurance company files this form with the Department of Motor Vehicles (DMV) to confirm that you meet legal insurance requirements.

Key Facts About SR-22s:
✔ Required for drivers with serious traffic violations, such as DUIs.
✔ Shows proof that you have active liability insurance.
✔ Must be filed by your insurance company (you cannot submit it yourself).
✔ Typically required for 3-5 years, depending on state laws.
✔ Failure to maintain an SR-22 can result in license suspension or additional penalties.

2. Why a DUI Might Require an SR-22
A. DUIs Lead to High-Risk Driver Classification
A DUI conviction signals to insurance companies that you pose a higher risk on the road. As a result, many states require an SR-22 filing to ensure that high-risk drivers maintain continuous auto insurance coverage.

B. License Reinstatement Requirement
If your license is suspended after a DUI, you may need an SR-22 to reinstate it. Most states will not allow you to drive legally until your insurance company submits this form to the DMV.

C. Legal Compliance
Even if your state does not require an SR-22 for all DUI cases, a judge may order you to obtain one as part of your penalties or probation requirements.

3. How a DUI Affects Your Car Insurance Costs
A. Increased Premiums
✔ Drivers with a DUI can expect insurance rates to double or even triple.
✔ Some insurers refuse to cover high-risk drivers, making it harder to find affordable options.

B. Limited Insurance Options
✔ Some standard insurance providers may drop your policy after a DUI.
✔ You may need to switch to a company that specializes in high-risk auto insurance.

C. SR-22 Filing Fees
✔ Insurance companies charge a one-time SR-22 filing fee (typically $15-$50).
✔ Additional costs arise from higher monthly premiums due to high-risk classification.

4. How to Obtain an SR-22 After a DUI
If you’ve been required to get an SR-22, follow these steps:

Step 1: Contact Your Insurance Provider
✔ Not all insurers provide SR-22 filings—if yours doesn’t, you’ll need to switch to a high-risk insurer.

Step 2: Pay the SR-22 Filing Fee
✔ Expect to pay between $15-$50 for your insurer to file the SR-22 form with the state.

Step 3: Maintain Continuous Coverage
✔ A lapse in insurance coverage can reset your SR-22 period or lead to license suspension.

Step 4: Drive Safely & Avoid Additional Violations
✔ Most states require SR-22s for 3-5 years—keeping a clean driving record can help lower your premiums over time.

5. How Long Do You Need an SR-22?
The length of time you need an SR-22 depends on state laws and the severity of your DUI offense.
✔ Most states require SR-22s for 3 years.
✔ Severe DUI cases may require up to 5 years of SR-22 compliance.
✔ If you cancel or lapse coverage, the SR-22 period restarts.

6. Can You Get Insurance Without an SR-22?
If your state requires an SR-22, you cannot legally drive without it. However, some states allow alternative high-risk insurance plans such as:

✔ Non-Owner SR-22 Insurance – If you don’t own a car but still need to meet SR-22 requirements.
✔ State-Sponsored High-Risk Insurance Plans – Some states offer "assigned risk" plans for drivers who can’t find coverage elsewhere.

Final Thoughts: Getting Back on the Road After a DUI
A DUI conviction can significantly impact your driving record and insurance costs, but getting an SR-22 and maintaining continuous coverage can help you regain your driving privileges and rebuild your record over time.

Key Takeaways:
✔ An SR-22 is required for high-risk drivers, especially those with DUIs.
✔ Expect higher insurance rates—but maintaining a clean record can help lower costs over time.
✔ Most states require an SR-22 for 3-5 years, depending on the severity of the offense.
✔ Lapses in coverage can restart the SR-22 period and lead to further penalties.

​At Elite Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (719) 302-1110. You can also request a free quote by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.