If you’ve been driving without insurance or have been labeled a high-risk driver, get affordable car insurance through AAA and ask them to file an SR-22 certificate with your state’s Department of Motor Vehicles.

Most AAA drivers with an SR-22 pay about 17% more than drivers with a clean record. While this might seem like a lot, expect to pay more for

car insurance

regardless of which carrier you have. To find the cheapest SR-22 insurance, the best thing you can do is shop around! We’ll explore AAA’s SR-22 costs to help you get started.

MORE:

Everything you need to know about AAA car insurance

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Does AAA offer SR-22 auto insurance?

Yes! AAA offers extensive car insurance coverage, even for high-risk drivers. If you get a policy through them and request an SR-22, they’ll file the form with your state’s Department of Motor Vehicles (DMV). AAA charges between $15 and $25 for the filing fee.

AAA will also ensure that your car insurance policy meets your state’s minimum insurance requirements (plus any other requirements from the DMV). You can purchase

collision

and

comprehensive insurance

through them if you want more than the minimum.

Some states require that you carry an SR-22 for up to five years, so double-check with your DMV and prepare to carry the SR-22 for a stretch of time. After the required amount of time passes, you can

cancel your AAA car insurance

or enjoy a lower premium rate.

MORE:

Is AAA membership worth it?

What is an SR-22 for car insurance?

This may seem a little confusing at first, but an SR-22 isn’t actually a type of car insurance—it’s a certificate showing you’re financially responsible. Think of it as an expensive

proof of insurance

that your insurance provider files with your state’s DMV.

While the certificate itself is usually inexpensive (between $15 and $25), the true cost comes in the form of higher premiums. Typically, you’re only required to get an SR-22 if you’ve been charged with a serious moving violation like a

DUI

/DWI conviction or if you were caught driving

without car insurance

without a license

MORE:

What is SR-22 insurance? Do I need it?

Does AAA offer non-owner SR-22 insurance?

Yes—if you don’t own a car but you need car insurance, AAA offers

non-owner car insurance

policies. Whether you borrow or rent a car, the non-owner car insurance meets the SR-22 requirements. You can expect to pay around $174 a year for this coverage through AAA.

Does AAA have FR-44 insurance?

AAA does offer an

FR-44

certificate if your state requires more liability coverage. Most states only require the SR-22, but some, like

Florida

and

Virginia

, require the FR-44. The biggest difference between the two is that the FR-44 is typically required after serious driving violations and will cost you more because you’re required to have more insurance coverage.

MORE: High-risk car insurance: everything you need to know

How much does an SR-22 from AAA cost?

The exact amount of your premium depends on why you need the SR-22, what other insurance coverage you’re getting, where you live, and your demographics (age, gender, etc.).

You can expect to pay between $15 and $25 for AAA’s SR-22 filing fee. Again, it depends on why you need the SR-22, but generally, drivers with an SR-22 pay 17% more for AAA car insurance than those with a

clean driving record

If you were also charged with a major traffic violation like a DUI, plan on paying 40% more! Don’t forget that your premiums will also be higher if you get more than the minimum required coverage.

Which insurance company has the cheapest SR-22 coverage?

You might find that AAA has excellent SR-22 rates, but you’ll only know if it’s the cheapest by comparing car insurance quotes. Many other insurance companies, like

State Farm

Progressive

, or

Farmers

, also offer SR-22 coverage—usually at a competitive rate.

MORE: How to fill out and file an SR-22

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