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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In Rhode Island, State Farm offers the most affordable SR-22 insurance policies at $1,375 per year and Travelers at $1,617 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What’s an SR-22?

An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.

You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.

Key Takeaways

  • An SR-22 isn’t a separate insurance policy but a form your insurer files with the state to show you have the minimum coverage.
  • You might need an SR-22 in Rhode Island due to DUI, reckless driving, or license suspension/revocation.
  • Filing an SR-22 isn’t expensive, but those with an SR-22 often pay higher premiums.

Do I need to buy SR-22 insurance in Rhode Island?

As mentioned before, an SR-22 isn’t an insurance policy. It’s a form your insurance company files with your state’s DMV to show that you have the required minimum coverage, even with certain driving offenses on your record. The filing fee is usually low, but insurance with an SR-22 can be expensive.

Here are few offenses that might require an SR-22:

  • DUI, DWI or other serious moving violations
  • Reckless driving
  • Accidents resulting in suspension or revocation
  • Accumulation of too many driving violation points
  • Driving without insurance

If you are convicted of any of these violations, you might need an SR-22. After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

You usually have to keep the SR-22 for at least three years. If you don’t, your license could be suspended.

Average SR-22 car insurance cost in Rhode Island

The average cost of SR-22 car insurance in Rhode Island is $1,887.

This is $872 higher than in New Hampshire, which has the cheapest SR-22 insurance.

However, it’s also $2,154 less expensive than in Michigan, the most expensive state for SR-22 insurance.

The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.

Our agents make it hassle-free to get the right quote.

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Cheapest SR-22 insurance companies in Rhode Island

Insurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in Rhode Island.

CompanyAverage annual premiumAverage monthly premium
State Farm$1,375 $115
Travelers$1,617 $135
GEICO$1,681 $140
Nationwide$1,940 $162
American Family$2,030 $169
Progressive$2,337 $195
Allstate$2,973 $248
USAA*$1,140 $95
*USAA is only available to military community members and their families.
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Cheap SR-22 insurance in Rhode Island by city

As discussed above, where you live greatly affects how much SR-22 insurance costs. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Rhode Island.

CityAverage annual premium
Newport$1,133
Bristol$1,133
Shannock$1,158
Hope$1,158
Woonsocket$1,440
Warwick$1,504
East Providence$1,505
Central Falls$1,505
Pawtucket$1,505
Providence$1,534
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SR-22 insurance requirements in Rhode Island

The Rhode Island DMV mandates all drivers in Rhode Island to have the following minimum car insurance coverage:

  • $25,000 for injury or death per person
  • $50,000 for injury or death per accident
  • $25,000 for property damage per accident

These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.

How much does SR-22 in Rhode Island cost with a DUI?

Insurance companies charge different premiums for drivers with a DUI.

Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the SR-22.

CompanySR-22 with 1 DUISR-22 Filing only
State Farm$1,375 $1,375
Travelers$2,172 $1,617
Progressive$2,975 $2,337
American Family$3,072 $2,030
Nationwide$3,605 $1,940
Allstate$4,430 $2,973
GEICO$5,656 $1,681
USAA*$2,095 $1,140
*USAA is only available to military community members and their families.
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How to get the cheapest SR-22 insurance in Rhode Island

If you need an SR-22 in Rhode Island, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

  • Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
  • Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
  • Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in Rhode Island

Another term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.

Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.

If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance.

Read more about how non-owners car insurance works in Rhode Island

Who needs SR-22 insurance?

Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.

For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.

Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.

How long do you need SR-22 insurance in Rhode Island?

You usually need to keep an SR-22 for three years.

During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.

The bottom line on SR-22 in Rhode Island

The average SR-22 insurance rate in Rhode Island is $1,887, while the average cost of car insurance in Rhode Island is $1,792. This means SR-22 insurance in Rhode Island costs $94 more per year.

Keep in mind that there are numerous factors that affect the auto insurance premiums.

expert

What our expert says

Q: How can you save on SR-22 insurance?

expert-image
Sebastian HovCEO, 18 Insurance.
“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

author image
Bob Haegele
Contributing Researcher

 
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Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.

Compare SR-22 insurance rates with other states

Alabama$1,702/Year
Alaska$1,419/Year
Arizona$1,916/Year
Arkansas$1,618/Year
California$2,238/Year
Colorado$2,177/Year
Connecticut$1,654/Year
Florida$3,288/Year
Georgia$1,795/Year
Hawaii$1,523/Year
Idaho$1,115/Year
Illinois$1,380/Year
Indiana$1,418/Year
Iowa$1,363/Year
Kansas$1,581/Year
Louisiana$3,390/Year
Maine$1,141/Year
Maryland$2,020/Year
Massachusetts$1,900/Year
Michigan$4,041/Year
Mississippi$1,502/Year
Missouri$2,504/Year
Montana$1,966/Year
Nebraska$2,001/Year
Nevada$2,632/Year
New Hampshire$1,015/Year
New Jersey$2,370/Year
North Dakota$1,315/Year
Ohio$1,240/Year
Oregon$1,653/Year
South Carolina$1,998/Year
South Dakota$1,681/Year
Tennessee$1,458/Year
Texas$2,113/Year
Utah$1,816/Year
Vermont$1,140/Year
Virginia$1,343/Year
Washington$1,473/Year
Washington, D.C.$2,065/Year
West Virginia$1,520/Year
Wisconsin$1,738/Year
Wyoming$1,808/Year
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