It's generally assumed by most that SR22 insurance is expensive. While this is often true, it doesn't mean that there aren't thing you can do to find a fair price for your SR22 insurance. These three tips can help you save money on your high-risk auto insurance costs.

1. Shop Around

Until you have to deal with SR22 insurance, you may have never guessed that just about every auto insurance company carries it. That means you have options. You should certainly take the time to shop around before committing to SR22 insurance from a particular insurer.

Treat this type of high-risk insurance as you would treat any other type of auto insurance:

  • Compare quotes from a multitude of services.
  • Avoid taking the first offer you see.
  • See what's included with the coverage.

You may also want to consider speaking to your current car insurance company as well. They may have an offer for you that comes with a loyalty discount or something along those lines. Once again, don't assume their offer is the best one.

Keep searching until you get a good rough idea of how much cheap SR22 insurance is out there. After you have some good quotes, you can even contact the providers to see if they will match your lowest quote.

2. Pay Attention to Coverage Options

A need for an SR22 certificate only indicates you are high risk. It does not have anything to do with the type of insurance coverage you need. For example, you don't need full premium coverage for your vehicle just because you need an SR22 certificate.

In fact, SR22 is proof that you have the minimum required insurance. So when shopping around for insurance, make sure you pay attention to the coverage options. Eliminating things that aren't required by your state can help make the SR22 insurance more cost effective.

3. Remember That Discounts Still Apply

SR22 doesn't mean you cannot take advantage of discounts offered by auto insurance companies. For example, it's possible to find discounts for the following:

  • Taking a defensive driving course
  • Using an older, less expensive, fully owned vehicle
  • Bundling your insurance with one provider
  • Paying the policy in full with one payment

Always keep your eye out for ways to save money on your auto insurance. SR22 does typically cost more than regular auto insurance, but it doesn't have to come a great expense if you're careful about choosing. To get started in your search, find an insurance agency that offers SR22 insurance through a website like