How Marital Status Impacts SR22 Cost 💍

If you’ve been told you need SR22 insurance, you’re already dealing with the financial pain of a serious driving violation. Whether it’s a DUI, reckless driving, or a lapse in insurance coverage, SR22 insurance often comes with higher premiums — and plenty of questions.

One question we hear a lot: “Does my marital status affect the cost of SR22 insurance?”

Short answer? Yes — it does. But not as much as you might think. While being married can help you save a bit, the impact isn’t as dramatic as other factors like your driving record or credit score. Still, every discount helps, especially when you’re in a high-risk pool. Here’s what to know.

🚗 What Is SR22 Insurance, Again?

First, let’s clear something up: SR22 isn’t a type of insurance. It’s a form your insurer files with the state to prove that you’re carrying the required liability coverage. You may need it if:

• You’ve been convicted of a DUI or DWI
• You drove without insurance
• Your license was suspended or revoked
• You were caught with multiple traffic violations

Once filed, your insurer must alert the DMV if your policy lapses — which could result in another license suspension. That’s why it’s critical to understand how your premiums are calculated and what factors influence the cost.

💳 Does Marital Status Affect Auto Insurance Rates?

Yes — across the board, married drivers tend to pay less for auto insurance. Why? Insurers see them as lower risk. Married individuals are generally considered more stable, less likely to take driving risks, and more likely to insure multiple vehicles or bundle policies (which means more revenue for insurers).

📊 According to The Zebra’s 2024 Auto Insurance Report:

• Married drivers pay an average of 6–11% less than single drivers
• Single drivers: average $1,774/year
• Married drivers: average $1,621/year
• The gap is bigger for drivers under 25 — up to 15%

🧾 So, What About SR22 Insurance?

SR22 insurance is just a form attached to your policy — so all the usual rating factors still apply. That includes age, location, credit score, and yes, marital status.

However, since you’re already considered high-risk, the influence of marital status is less noticeable than with standard auto insurance. But it’s not irrelevant.

💡 How Marital Status Can Lower SR22 Premiums

• Lower-risk profile: Statistically, married drivers file fewer claims
• Multi-policy discounts: Spouses often bundle coverage (home + auto)
• Household stability: Insurers reward consistent drivers with fewer lifestyle changes
• Vehicle use: Married couples may share a car and drive less overall

All of these things can help you qualify for a slightly better rate — even if you’re filing SR22 due to a serious violation.

🔢 Real-World Premium Estimates

Let’s compare estimated SR22 insurance premiums by marital status, based on aggregated data from ValuePenguin, The Zebra, and quotes from major SR22-friendly insurers:

Marital Status	Estimated SR22 Cost (DUI-Based)
Single	$2,600–$3,400/year
Married	$2,300–$3,000/year

📉 On average, being married might save you $200–$400 annually on an SR22-required policy. It’s not game-changing, but it helps — especially over a 3-year SR22 period.

📌 Other Factors That Matter More Than Marital Status

• Driving history: DUIs, accidents, and repeat violations increase your premium more than any other factor
• Credit score: Poor credit can increase rates by up to 91% (Consumer Reports)
• Coverage lapses: Missed payments can lead to policy cancellation and re-suspension of your license
• Vehicle type: High-performance or luxury cars = higher SR22 premiums

🙋 FAQs: Marital Status & SR22 Insurance

Q: Can getting married lower my SR22 insurance cost?
Yes, but only slightly. You may qualify for better rates if you bundle policies or your spouse has a clean driving record.

Q: Does divorce increase SR22 rates?
It can. If you remove a spouse from your policy or lose multi-car discounts, your premium may rise.

Q: Can both spouses have SR22s on one policy?
Yes — if both drivers need an SR22, some insurers will file separately but combine both under one policy. Just expect higher rates.

Q: What if my spouse has a clean record?
This can help reduce your overall household premium — especially if your spouse is the primary on the policy.

🧾 Final Thoughts: Yes, Marital Status Matters — Just Not as Much

SR22 insurance rates are driven mostly by your violation history, not your relationship status. But if you’re married, you may still benefit from small savings — and in the SR22 world, every bit counts.

It won’t erase your high-risk label, but it might help you qualify for lower rates or better terms — especially when combined with safe driving, continuous coverage, and bundling discounts.

✅ Bottom line: If you’re shopping for SR22 insurance, be sure to let your agent know you’re married. It could make a small but meaningful difference — especially over the 2–3 years most SR22 filings last.

Need help comparing SR22 quotes? Reach out or drop a question below — we’ve helped thousands of drivers find affordable high-risk coverage. 🚗