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Across the country, drivers are feeling the squeeze of higher insurance costs: medical, home, and auto alike. For high-risk drivers who need SR-22 or driving under the influence (DUI) insurance, that squeeze will likely get tighter in 2026.

Several major insurers have scaled back coverage for SR-22 policies, especially in states with strict DUI penalties. Fewer options often mean higher prices. But the good news? Some carriers are offsetting hikes with usage-based discounts, e-filing efficiencies, and pay-per-mile plans. Here’s what to expect in 2026, and how to make sure you’re getting the best SR-22 insurance rates available in your area.

This informational blog provides essential information about car insurance after a DUI. It is not to be used as legal advice. Always consult a qualified DUI attorney to assist with any legal questions you may have. If you have immediate questions about SR-22 insurance, call a Breathe Easy licensed insurance agent at [(833) 786-0237](tel:8337860237).

# What Is SR-22 Insurance?

An SR-22 is not a type of insurance. It’s a form your insurance carrier files with the state to prove you meet minimum auto liability requirements after a [serious driving violation](https://www.breatheeasyins.com/knowledge-center/high-risk-auto-insurance-guide), like a DUI, reckless driving, or driving without insurance.

# When Do You Need SR-22 Insurance?

Most states require an SR-22 after a license suspension or DUI conviction. It’s usually mandatory for three years, though it can vary by state. During that time, any [lapse in coverage](https://www.breatheeasyins.com/knowledge-center/sr22-expiration-penalties-and-risks) could restart your requirement period or lead to another suspension.

SR-22 Insurance Rates Are Going Up. Find the Best Rates in Your State.