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 saves drivers 36% ($1,517 yearly) compared to the national average full coverage premium. GEICO charges $295 monthly ($3,545 annually) among national carriers, saving drivers 16% or $662 annually versus the national average. Travelers costs $297 monthly ($3,566 annually).

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

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.

Progressive scores 94 as the next highest-rated carrier. Its national availability and digital tools support minimum coverage at $136 monthly and full coverage at $269 monthly. State Farm and GEICO also rank high—State Farm offers local agent support while GEICO provides digital-first policy management.

Our highest-scoring SR-22 insurers, rates and overall ranking based on quality and affordability are shown in the table:

SR-22 insurance costs match the severity of your violation. Serious offenses like hit-and-run and DUI convictions create the highest premiums.

Hit-and-run convictions cost the most for minimum liability coverage—$188 monthly or $2,257 annually. DUI convictions run close behind at $184 monthly ($2,212 annually). Racing violations average $179 monthly. Even two speeding tickets push rates 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 focuses on what high-risk drivers need most: affordable rates, 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 man

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.