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Which form your state uses
| Form | States | What’s different |
|---|---|---|
| SR-22 | Most states | Proves you carry at least the state minimum liability cover |
| FR-44 | Florida, Virginia | Used for certain alcohol-related convictions; requires much higher liability limits than the state minimum |
| SR-22A | Georgia, Missouri, Texas | Used in some situations, with rules that differ from a standard SR-22; ask your DMV |
| No SR-22 form | Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania | States use their own proof-of-insurance and reinstatement processes |
Sources: Insurance.com (May 2026); CarInsurance.com (July 2026). Requirements change; check your DMV.
States without SR-22s
Not using an SR-22 doesn’t mean there are no consequences. These states still suspend licenses after DUIs and uninsured driving, require proof of insurance to reinstate a license and charge higher premiums after violations. Ask your state’s DMV what proof it needs.
FR-44: a costlier requirement
In Florida and Virginia, an FR-44 applies to certain DUI-type convictions and requires liability limits well above the normal state minimum, which makes the policy more expensive than a standard SR-22 policy. If you’re ordered to file an FR-44, ask insurers to quote the exact limits on your order.
What SR-22 insurance costs by state
| State | Cheapest insurer (MoneyGeek) | Average minimum cover / month |
|---|---|---|
| South Dakota | Progressive | $29 |
| Montana | State Farm | $37 |
| Hawaii | State Farm | $66 |
| Virginia | Travelers | $69 |
| Alabama | Travelers | $79 |
| Alaska | State Farm | $94 |
| California | Farmers | $130 |
| Connecticut | GEICO | $168 |
| Louisiana | Progressive | $170 |
Source: MoneyGeek, October 2026. For non-owner SR-22 policies, CarInsurance.com found averages from $262 a year in South Dakota to $1,487 in New Jersey.
For insurer-by-insurer national prices, see our SR-22 cost guide.
Moving to another state with an SR-22
- Tell your insurer and both DMVs before you move.
- Expect to keep the original state’s requirement until it expires. You generally must keep the SR-22 on file there even after moving.
- Find an insurer licensed in both states, or one that can file an out-of-state SR-22. Some states waive the requirement for new residents; others require a new filing.
- Don’t let cover lapse during the move; a gap can trigger a suspension in the original state.
- Moving to a non-SR-22 state doesn’t cancel your obligation to the state that ordered it.
Minimum limits matter
An SR-22 proves you meet your state’s minimum liability limits, which differ widely, for example 30/60/25 in Texas and 25/50/25 in Ohio and Georgia. See our state minimums table. If you have assets to protect, consider higher limits than the minimum.
Frequently asked questions
Which states don’t require SR-22 insurance?
Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania don’t use SR-22 forms, though they have other proof-of-insurance rules.
What is the difference between an SR-22 and FR-44?
An FR-44, used in Florida and Virginia for certain alcohol-related convictions, requires much higher liability limits than an SR-22.
What is an SR-22A?
A variation of the SR-22 used in Georgia, Missouri and Texas in some cases. Ask your DMV how its rules differ from a standard SR-22.
Do I still need an SR-22 if I move to another state?
Usually yes. You generally must keep meeting the original state’s requirement until it expires.
Which state has the cheapest SR-22 insurance?
In MoneyGeek’s 2026 data, South Dakota had the lowest cheapest-insurer price, about $29 a month for minimum cover with Progressive.
Sources
- Insurance.com – SR-22 insurance: how it works and what it costs (May 2026)
- CarInsurance.com – Non-owner SR-22 insurance (July 2026)
- MoneyGeek – Cheapest SR-22 insurance 2026 (Oct 2026)
- GEICO – SR-22 details
- Insurance Information Institute – State auto financial responsibility limits (July 2024)
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.