Insurance with an SR-22 in Washington

The Zebra
Nov. 16, 2018

If you need an SR-22 for car insurance in Washington, you are not alone. This relatively common legal requirement is triggered by a citation like a DUI/DWI, a citation for driving without proof of insurance, an at-fault crash, a ticket for driving with a suspended license, or accumulating excessive points on your license.

Getting inexpensive insurance with an SR-22 in Washington might require some research, but it's worth the trouble. We assessed how much a Washington SR-22 typically costs and how to request one — let’s dive in.

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How much does Washington SR-22 insurance cost?

Insurance with an SR-22 in Washington is usually expensive. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees usually total $15 to $35 — but because of the insurance cost increases that come with the driving citation that prompted the SR-22 requirement to begin with.

Insurance companies bill high-risk drivers higher rates on account of the increased risk of an incident. The price increase you’ll face may depend on the severity and number of your violations — below are average auto insurance rates with an SR-22 certificate in Washington.

High-risk rating factorAverage annual rateIncrease vs. no citations
No citations$1,160.33
At-fault crash (>$2,000)$1,571.00$410.67
Speeding (21-25 mph > limit)$1,374.87$214.54
Reckless driving$1,721.98$561.65
Leaving the scene$1,853.02$692.69

If you want to purchase inexpensive car insurance after obtaining an SR-22 certificate, we're here to help. Submit your ZIP code below to find personalized auto insurance quotes from popular companies.

Requesting an SR-22 in Washington

Currently insured?

If you currently have auto insurance, obtaining an SR-22 is relatively easy. Phone your auto insurance company ask it to file an SR-22 certificate request for you. If your current auto insurance company declines to file a request, you'll need to look for a new car insurance company.

For uninsured drivers:

When applying for car insurance, you might face an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some companies, while others will sell you a policy.

If you don't have a vehicle:

Not owning a vehicle makes it tougher to get an SR-22, as you'll need proof of insurance to receive the certificate. If this is the case, you should purchase a non-owners car insurance policy before pursuing an SR-22. A non-owners policy is typically cheaper than a standard policy since it won’t provide protection for material damages to your vehicle.


Between September and December 2017, The Zebra conducted comprehensive analysis using its proprietary insurance quote engine, including data from insurance rating platforms and public rate filings. The Zebra surveyed almost 53 million rates to examine trends related to specific car insurance pricing 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 car insurance rates.