Yes, an insurance company will only charge you once for the SR-22 filing. It is not an additional premium on your car insurance policy that you’ll need to pay at every renewal. For that reason, cheap SR-22 insurance is relatively easy to find. Keep in mind that we’re only referring to the actual fee here. As mentioned, if you need an SR-22, you may be categorized as a high-risk driver, which means your premiums are likely to be higher than normal until your driving record is clean again.