Auto Insurance with an SR-22 in Rhode Island

If you need an SR-22 certificate to obtain auto insurance in Rhode Island, you are not alone. This relatively common legal requirement is triggered by a driving citation such as a DUI/DWI, a ticket for driving without insurance, an at-fault accident, a citation for driving with a suspended license, or accumulating too many points on your license.

Finding affordable insurance with a SR-22 in Rhode Island might require some effort, but the savings are worth the trouble. We explored how much a SR-22 costs in Rhode Island and how to get one — let's take a look.

How much is Rhode Island SR-22 insurance?

Car insurance with an SR-22 in Rhode Island will probably be expensive. This isn't because of the SR-22 itself — filing fees usually total $15 to $35 — but a product of the insurance cost increases initiated by the violation that necessitated the SR-22.

Insurance companies charge high-risk drivers higher rates to account for the more substantial probability of having to pay out a claim after a crash. The rate increase you’ll receive depends on the frequency and severity of the citations — below are standard car insurance rates with an SR-22 in Rhode Island.

High-risk rating factorAverage annual rateIncrease vs. no citations
No citations$2,103
At-fault crash (>$2,000)$3,258$1,156
Speeding (21-25 mph > limit)$2,741$638
Reckless driving$4,036$1,933

If you are trying to find cheap car insurance after getting a SR-22, The Zebra is here to help. Provide your ZIP code below to receive personalized auto insurance quotes from leading insurance companies.

How to acquire an SR-22 in Rhode Island

If you have car insurance

If you currently have auto insurance, obtaining an SR-22 certificate is straightforward. Call up your auto insurance company request they file a SR-22 request on your behalf. If your insurer won't file for an SR-22, you should look for a new auto insurance company.

Uninsured drivers

When filing for car insurance, you might be saddled with an up-front fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification might disqualify you from being insured by some carriers, while others will sell you a policy.

For non-owners

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, get a non-owners car insurance policy before requesting an SR-22. Non-owners auto coverage can be less expensive than a standard policy since it doesn't cover physical damage to your car.


we conducted comprehensive auto insurance pricing analysis via its proprietary insurance quote engine, comprising data from rating systems and public rate filings. The Zebra surveyed nearly 53 million premiums to examine trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance costs.

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