High Risk Insurance Savings
No Extra Fees! No Hidden Fees!
We charge $0 broker fees while offering same-day high risk insurance.
We Charge
$0
Broker Fees
We electronically file your SR‑22 with the DMV, often within minutes of issuing your policy. No waiting, no uncertainty.
Arizona - California - Nevada - North Dakota - Ohio - South Dakota - Texas - Washington
SR‑22 Filing Made Simple for High‑Risk Drivers
You’re dealing with enough already — the license issues, the court deadlines, the DMV paperwork. Getting an SR‑22 shouldn’t add to the stress. We make the process fast, affordable, and easy to understand, so you can get back to legal driving without the confusion or surprise fees.
We electronically file your SR‑22 with the DMV, often within minutes of issuing your policy. No waiting, no uncertainty.
No hidden filing fees. No inflated premiums. Just honest guidance and a straightforward path to reinstatement.
Option 1
High Risk Auto Insurance With SR22
For people who own a car or drive a car regularly.
Shop for auto insurance with an SR22 filing included for high risk drivers. The SR22 is sent to the selected state DMV office electronically after purchase in most states.
We also offer auto insurance without SR22 filing if you just need affordable auto insurance for a high risk driver.
Option 2
High Risk Non Owner SR22 Insurance
For people who don't own a car but may borrow a car occasionally we offer non owner insurance policies.
A non owner insurance policy is a great option for people who don't own a car but need an SR22 filing to get their license reinstated due to a high risk classification.
Shop for high risk non owner insurance with an SR22 filing and get your license back to active.
What Clients Say About SR22 Savings!
Check Out Our Trustpilot Reviews
Find High Risk Insurance Savings
Licensed and operating in many states
100% Customer Satisfaction
Is Our Goal
Check out our customer reviews on Trustpilot
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Customers frequently say we are the lowest priced.
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95% of our customers give us a 5 star rating!
What an SR‑22 Really Is
Most drivers think SR‑22 is a type of insurance. It’s not.
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An SR‑22 is a state-required certificate your insurance company files with the DMV to prove you carry the minimum liability coverage. It’s attached to a standard auto or non‑owner policy.
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If your policy cancels or lapses, your insurer must notify the state immediately. This can lead to license suspension again and may restart your SR‑22 requirement period. We help you avoid that with reminders, guidance, and ongoing support.
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Key takeaway: An SR‑22 is a filing attached to an auto insurance policy— not a special insurance product.
Who Needs an SR‑22?
​You may need an SR‑22 if you’ve experienced:
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DUI or DWI — One of the most common reasons for SR‑22 requirements.
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Driving Without Insurance — States require proof of future financial responsibility.
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License Suspension or Revocation — SR‑22 is often part of reinstatement.
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Multiple Tickets or At‑Fault Accidents — High‑risk classification triggers the filing requirement.
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If you’re unsure, upload your DMV letter and we’ll interpret it for you — clearly and without judgment.
Owner vs. Non‑Owner SR‑22
​Owner SR‑22
For drivers who own a vehicle and need liability coverage plus the SR‑22 filing.
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Covers you to drive daily in the vehicle you list on your policy
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Required if you plan to continue driving your own car
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Can include full coverage if needed
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Non‑Owner SR‑22
For drivers who don’t own a car but still need their license reinstated.
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Often the most affordable option
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Covers you when driving borrowed vehicles
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Helps you meet court or DMV requirements without owning a car
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We’ll help you choose the correct certificate type so you don’t overpay or file incorrectly.
Step‑by‑Step Process
Step 1 — Apply Online
Tell us your state, whether you own a car, and basic details. No long forms or complicated questions.
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Step 2 — Instant Quote
We match you with a compliant policy at the lowest realistic rate for your situation.
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Step 3 — Electronic Filing
We file your SR‑22 directly with the DMV and send you proof of filing by email the same day.
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Step 4 — Ongoing Support
We help you stay compliant with reminders, renewal guidance, and policy monitoring so you never accidentally reset your SR‑22 term of normally 3 years.
Pricing & Expectations
The SR‑22 filing fee itself is usually small — often between $15 and $35 depending on the state.
The real cost comes from the high‑risk insurance rating associated with your violation or being charged extra fees by an insurance brokerage to shop the market and start you a policy.
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We focus on:
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Finding the most affordable compliant policy for each client's situation
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Charging $0 extra fees for our service. No Broker Fees!
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Avoiding unnecessary coverage upsells
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Helping you understand how long your SR‑22 requirement lasts
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Guiding you toward future rate reductions as your record improves
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You’ll always know exactly what you’re paying for and why with SR22Savings.