Cheapest SR-22 Insurance

Erie is the cheapest SR-22 insurance provider, with minimum coverage premiums averaging $114 monthly or $1,368 annually.

Erie saves drivers 36% or up to $1,321 yearly compared to the national average. Nationally, GEICO offers the lowest rates at $136 monthly, providing an 18% savings over the national average and up to $1,908 yearly. Travelers follows closely at $150 per month, saving drivers 15% or $1,765 annually.

Compare the most affordable SR-22 insurance companies and their average rates for high-risk drivers below:

For affordable minimum liability insurance with an SR-22 filing, Erie offers the lowest premiums, starting at $133 monthly or $1,591 annually. While Erie provides the most affordable rate, the best nationwide low-cost options are GEICO and Progressive. GEICO's minimum coverage begins at $144 monthly ($1,732 annually), just $11 more per month than Erie. Progressive is close behind at $153 monthly ($1,831 annually), making it only $20 more per month than the cheapest option overall. Compare the most affordable companies for minimum coverage SR-22 insurance below.

Erie delivers the cheapest SR-22 insurance for high-risk drivers seeking full coverage, averaging $224 monthly or $2,689 annually.

Choosing Erie results in significant savings, with policyholders saving 36% compared to the national average full coverage premium, which translates to $1,517 in yearly savings. GEICO is highly competitive among nationally available carriers, coming in at $295 monthly ($3,545 annually). GEICO's rate offers drivers a 16% savings, or $662 yearly, versus the national average. Travelers follows closely, with a monthly premium of $297 ($3,566 annually).

Compare the most affordable companies for full coverage SR-22 insurance below

USAA offers the most affordable non-owner SR-22 insurance, with minimum liability coverage starting at just $28 a month or $336 a year.

Excluding USAA's military-only option, State Farm is the next cheapest widely available choice at $33 a month ($396 a year). This rate saves drivers 33%, or $165 annually, compared to the national average. Travelers and Kemper also offer competitive rates under $50 a month, but keep in mind that coverage options for companies like Kemper or AAA may be limited by state or membership requirements.

SR-22 insurance rates vary greatly by state due to different filing requirements and local risk factors. Our data shows that major national carriers dominate the low-cost market: Travelers offers the cheapest minimum coverage rates in 16 states, State Farm in 13 states, and Progressive in 12 states.

The table below shows which insurer provides the lowest SR-22 minimum coverage rates in each state and indicates the percentage of savings available compared to the state average.

Travelers is the top-rated national carrier for SR-22 insurance with a MoneyGeek Score of 95. With the most affordable rates for minimum coverage ($122 monthly) and full coverage ($233 monthly), Travelers is the best option for drivers seeking quality and value.

Progressive, with a score of 94, is the next highest-rated primary carrier. Known for its strong national availability and digital tools, it offers minimum coverage at $136 monthly and full coverage at $269 monthly. State Farm and GEICO also rank well, providing a mix of local agent support  and convenient digital-first experiences for drivers comfortable managing policies online.

The table below shows our highest-scoring SR-22 insurers, rates, and overall ranking based on quality and affordability.

The average cost of SR-22 insurance directly correlates with the severity of the violation that triggered the filing requirement. The most serious offenses, including Hit-and-Run and DUI convictions, result in the highest premiums.

For minimum liability coverage, the most expensive offense is a Hit-and-Run conviction, costing drivers an average of $188 monthly or $2,257 annually. DUI convictions follow closely, averaging $184 monthly ($2,212 annually), while racing violations average $179 monthly. Even common offenses like two speeding tickets increase rates significantly to $156 monthly.

We answer common questions about SR-22 filings and insurance providers:

High-risk drivers face premium increases up to 200% or more after serious violations, making affordable SR-22 insurance critical for license reinstatement. We designed our research to identify which insurers offer the lowest rates for drivers requiring SR-22 filings while maintaining quality coverage and financial stability.

Data Collection and Analysis

We gathered 529,578 quotes from 67 insurers across all 50 states and 897 ZIP codes using data from Quadrant Information Services and state insurance departments. Our analysis used a driver profile with a DUI to identify the most affordable providers for high-risk drivers.

We evaluated insurers using data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC), weighted as follows:

• Customer satisfaction: 35%
• Affordability: 30%
• Claim satisfaction: 20%
• Coverage options: 10%
• Financial stability: 5%

This weighting prioritizes the factors that matter most to high-risk drivers: finding affordable rates while ensuring quality service and reliable claims handling.

Sample Driver Profile

Our standardized profile includes:

• Driving record with a DUI
• 2010 Toyota Camry LE
• 12,000 miles driven annually
• 40-year-old male

We modified this profile for different ages and locations to reflect state-specific rate variations.

Coverage Definitions

Minimum coverage refers to each state's mandated liability-only policy, offering the lowest cost but limited financial protection. Full coverage includes a 100/300/100 policy with a $1,000 deductible, meaning you pay $1,000 out-of-pocket before insurance covers damage in an at-fault accident.

The 100/300/100 industry standard provides:

• $100,000 bodily injury coverage per person you injured
• $300,000 total bodily injury coverage per accident
• $100,000 property damage coverage

Learn more about MoneyGeek's car insurance methodology.