SR-22 & FR-44 insurance at the lowest price — guaranteed.Low monthly payments, filed same day.
Bad driving record? DUI or DWI on file? We shop multiple carriers so you get the lowest SR-22 or FR-44 rate available, with low down payments and small monthly payments that fit your budget.
Talk to a licensed agent now — get the lowest rate and file today
Lowest prices guaranteed
We shop multiple carriers to find the lowest rate in your state
Low monthly payments
Low down payments accepted
Quote by phone for your SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
Quote by phone: 844-354-0082Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadNever done this before?
Start here. No insurance words, we promise.
If the court or the DMV told you to get an or an , here is the whole thing in three steps.
1. Tell us what happened
Call or fill out a short form. You only need your name, birth date, address and driver's license number. No paperwork to dig up.
2. We find the cheapest policy
We check prices at a lot of insurance companies at once and tell you the lowest one. You pick how much you want to pay up front.
3. We send the form to the DMV
The same day you pay, we send the state the proof they asked for. Then you can go get your license back.
What is an SR-22?
It is not insurance. It is a one-page form your insurance company sends to the state to prove you are insured. The state asks for it after things like a DUI, driving without insurance, or too many tickets.
What is an FR-44?
The same idea as an SR-22, but only in Florida and Virginia, and only after a DUI. It works exactly the same way — the difference is the state makes you buy more coverage, so it costs more.
I don't own a car. Do I still need one?
Usually yes, if you want your license back. There is a cheaper policy for people with no car in their name. It covers you when you drive someone else's car, and it counts for the state.
How long do I have to keep it?
Most states say three years. If you cancel or miss a payment during that time, the state is told right away and your license can be suspended again. So keep it paid.
What does 25/50/25 mean?
Those numbers are how much your insurance would pay if you cause a crash: $25,000 for one hurt person, $50,000 for everyone hurt, $25,000 for the damage to their car or property. Each state sets its own numbers.
How much does it cost?
There is no one price — it depends on your state, your record and your car. Filing the form itself is usually a small one-time fee. The policy is the real cost, and that is what we shop around for you.
Still not sure what you need? That is normal — we will figure it out with you.
Call 844-354-0082 Answer a few questions insteadWhy drivers choose us
Lowest prices guaranteed. Low monthly payments. Same-day filing.
Same-Day Reinstatement
Your SR-22 is filed with the state the same day you buy. Get back on the road by tonight, not next week.
Filed Directly With The DMV
We transmit your certificate to the DMV instantly — no paperwork for you to chase down.
Lowest Prices Guaranteed
We compare many carriers in real time so you pay the lowest price for your SR-22 or FR-44 filing. Low monthly payments available.
About us
SR-22 insurance, handled by people who do it every day
SR22 & FR44 Insurance is a proud member of The Insurance Exchange of America and can obtain your SR-22 insurance today. As a broker representing many auto insurance carriers, we have the ability to shop the best rate for your filing — whether you need conventional auto insurance, high-risk coverage, or help after a DUI. We have helped thousands of drivers with their SR-22 filings.
We know your time is valuable and you want your filing done fast and at the lowest rate available. We offer quotes from many companies and provide non-owner insurance or owner-operator coverage for single and multiple DUI/DWI offenses, financial responsibility cases, immediate SR-22 filings, and monthly payments to qualifying drivers.
A non-owner policy can be purchased if there are no automobiles registered in your name, and that applies in all states. A non-owner policy can also be purchased if there are vehicles in the household that are not registered to you. The exception is a husband and wife who own a vehicle — in that case the vehicle has to be listed.
Why people choose us
- Most people can start getting their license back the same day
- Your form goes to the state the day you pay
- Buy it over the phone in about 15 minutes
- We know exactly what your state asks for
- Works whether you own a car or not
- One DUI or more than one — we can still help
Choose your state
State-specific SR-22 filing rules
Every state files differently. Pick yours for the exact filing period, minimum liability limits, interlock rules and reinstatement steps.
Arizona SR-223 years filing · 25/50/15 limits
Colorado SR-223 years filing · 25/50/15 limits
Florida SR-223 years filing · 10/20/10 PIP & PDL basics; FR-44 requires 100/300/50 limits
Georgia SR-223 years filing · 25/50/25 limits
Louisiana SR-223 years filing · 15/30/25 limits
Missouri SR-222 years (3 for some repeat offenses) filing · 25/50/25 limits
Ohio SR-223 to 5 years depending on the offense filing · 25/50/25 limits
Tennessee SR-223 years filing · 25/50/25 limits
Texas SR-222 years filing · 30/60/25 limits
Virginia SR-223 years filing · 50/100/25; FR-44 requires 100/300/50 limitsFR-44 insurance
Florida and Virginia require an FR-44, not just an SR-22
In Florida and Virginia, a DUI means the state asks for an FR-44 instead of an SR-22. It works the same way — your insurance company sends the state proof you are covered — but the state makes you buy about twice as much coverage. If the policy ever stops, the state finds out and your license is suspended again.
We send the FR-44 to the state the same day you pay, whether or not you own a car, and we shop a lot of companies so the extra coverage costs you as little as possible.
No car? No problem
Non-owner SR-22 and FR-44 policies
If there is no car in your name, you can still get your license back. This policy covers you when you drive someone else's car, it counts with the state, and it costs a lot less than insuring a car. We can send it to the state the same day you pay.
- Available in every state we cover, including Florida and Virginia
- Usually a lot cheaper than insuring a car
- For people with no car in their name
- Also works if the cars at home belong to someone else (married couples must list the car)
- Covers damage you cause to others — it does not cover a car you don't own
- Sent to the state the same day you pay
What drivers say
Real reviews from real customers
“Got my FR-44 filed the same day. License reinstated within 48 hours and the rate was lower than two other quotes I got.”
Michael R.
Florida
“I called on my lunch break and had an SR-22 in force before I left work. The agent actually knew Virginia DMV rules.”
Tasha W.
Virginia
“Non-owner policy was exactly what I needed. No car registered to me, but I could still drive legally again.”
David K.
Ohio
Let us help you get back on the road today
Tell us a little about your situation and we will come back with your SR-22 options — usually the same business day.