Updated: August 26, 2025
Advertising & Editorial Disclosure
State Farm is the best and cheapest SR-22 car insurance company for drivers who must file an SR-22, with a MoneyGeek score of 96 out of 100 and its cheapest quotes starting at $68 monthly.
Progressive offers the cheapest SR-22 insurance rates for full coverage, averaging $1,621 annually ($135 monthly), though Erie provides the cheapest SR-22 costs regionally at $309 monthly ($3,710 annually).
Drivers who need SR-22 pay an average of $1,051 per year for minimum coverage and $2,263 per year for full coverage nationwide.
Erie provides the cheapest SR-22 insurance with premiums as low as $192 monthly or $2,307 annually, while GEICO offers competitive rates at $227 monthly, and Travelers delivers solid value at $228 monthly for budget-conscious high-risk drivers requiring quality SR-22 filings. The table below shows the cheapest SR-22 insurance companies and their average rates for high-risk drivers.
| Erie | $192 | $2,307 |
| GEICO | $227 | $2,723 |
| Travelers | $228 | $2,736 |
| Progressive | $231 | $2,770 |
| State Farm | $262 | $3,144 |
| Farmers | $335 | $4,018 |
| Allstate | $338 | $4,059 |
| Nationwide | $385 | $4,623 |
Erie leads in SR-22 car insurance with minimum coverage premiums at $133 monthly or $1,591 annually. GEICO provides the second-cheapest SR-22 insurance at $144 monthly, and Progressive offers affordable coverage at $153 monthly.
| Erie | $133 | $1,591 |
| GEICO | $144 | $1,732 |
| Progressive | $153 | $1,831 |
| Travelers | $153 | $1,835 |
| State Farm | $182 | $2,180 |
| Farmers | $230 | $2,762 |
| Allstate | $238 | $2,853 |
| Nationwide | $260 | $3,123 |
Erie delivers the cheapest SR-22 insurance for drivers seeking full coverage with the lowest premiums without sacrificing quality. Its quotes are $51 lower than national companies, averaging $252 monthly or $3,022 annually. Travelers is the cheapest SR-22 insurance company nationally, offering excellent coverage with quotes in the middle of the pack at $303 monthly. Progressive offers quality protection, and its monthly premiums cost only $309 for comprehensive collision coverage.
| Erie | $252 | $3,022 |
| Travelers | $303 | $3,637 |
| Progressive | $309 | $3,710 |
| GEICO | $309 | $3,714 |
| State Farm | $342 | $4,109 |
| Allstate | $439 | $5,264 |
| Farmers | $440 | $5,274 |
| Nationwide | $510 | $6,123 |
Allstate is the cheapest car insurance company for drivers needing SR-22 filings. Although it comes in third out of all the cheapest SR-22 insurance companies we reviewed, it is the most affordable option with nationwide availability. Premiums are $203 monthly for high-risk drivers, making it the best choice for SR-22 insurance for most people. Regionally, AIG provides exceptional value for non-owner SR-22 liability insurance, with premiums averaging $72 monthly or $870 annually, while AAA offers reliable coverage at $123 monthly to its members.
| AAA | $123 | $1,479 |
| AIG | $72 | $870 |
| Allstate | $203 | $2,439 |
| Chubb | $337 | $4,050 |
| Farmers | $218 | $2,614 |
| Geico | $96 | $1,149 |
| Kemper | $55 | $655 |
| National General | $250 | $3,006 |
| Nationwide | $149 | $1,788 |
| Progressive | $71 | $857 |
| State Farm | $42 | $507 |
| Travelers | $53 | $631 |
Multiple trusted insurers compete in each state, ensuring drivers have excellent affordable options. Progressive leads in 12 states, while Travelers and State Farm provide competitive coverage across multiple regions, giving budget-conscious drivers with violations access to quality protection nationwide. The table below shows the cheapest SR-22 insurance companies by state and their affordable rates for drivers.
| Alabama | Travelers | $79 | $949 | 38% |
| Alaska | State Farm | $94 | $1,127 | 7% |
| Arizona | Travelers | $97 | $1,162 | 39% |
| Arkansas | Travelers | $75 | $896 | 27% |
| California | Farmers | $130 | $1,554 | 45% |
| Colorado | Progressive | $87 | $1,041 | 37% |
| Connecticut | GEICO | $168 | $2,016 | 48% |
| District of Columbia | Erie | $128 | $1,537 | 23% |
| Florida | Travelers | $137 | $1,648 | 33% |
| Georgia | Progressive | $180 | $2,156 | 31% |
| Hawaii | State Farm | $66 | $788 | 66% |
| Idaho | State Farm | $42 | $504 | 49% |
| Illinois | Travelers | $87 | $1,046 | 40% |
| Indiana | Progressive | $63 | $755 | 33% |
| Iowa | Progressive | $47 | $563 | 29% |
| Kansas | State Farm | $59 | $704 | 40% |
| Louisiana | Progressive | $170 | $2,040 | 54% |
| Maine | Travelers | $52 | $618 | 42% |
| Maryland | GEICO | $82 | $980 | 56% |
| Massachusetts | GEICO | $130 | $1,564 | 31% |
| Michigan | Progressive | $138 | $1,653 | 60% |
| Mississippi | Travelers | $86 | $1,033 | 44% |
| Missouri | Travelers | $73 | $875 | 67% |
| Montana | State Farm | $37 | $447 | 58% |
| Nebraska | Progressive | $75 | $896 | 54% |
| Nevada | Travelers | $158 | $1,902 | 38% |
| New Hampshire | Progressive | $66 | $795 | 44% |
| New Jersey | GEICO | $159 | $1,910 | 65% |
| North Dakota | Progressive | $52 | $626 | 68% |
| Ohio | GEICO | $79 | $951 | 26% |
| Oregon | Progressive | $84 | $1,014 | 53% |
| Rhode Island | State Farm | $84 | $1,008 | 61% |
| South Carolina | Travelers | $137 | $1,643 | 26% |
| South Dakota | Progressive | $29 | $348 | 65% |
| Tennessee | Travelers | $67 | $807 | 42% |
| Texas | State Farm | $100 | $1,203 | 34% |
| Utah | GEICO | $115 | $1,379 | 26% |
| Vermont | State Farm | $34 | $412 | 55% |
| Virginia | Travelers | $69 | $826 | 69% |
| Washington | Progressive | $101 | $1,216 | 17% |
| West Virginia | State Farm | $84 | $1,011 | 36% |
| Wisconsin | Travelers | $59 | $707 | 37% |
| Wyoming | State Farm | $37 | $439 | 32% |
USAA provides the cheapest SR-22 insurance for military members and their families and received the highest MoneyGeek score of 97, with average premiums as low as $28 monthly. Travelers is the best and cheapest SR-22 insurance company, providing outstanding civilian coverage. It earned a 96 score with quotes just $12 more than USAA, averaging $40 monthly. In comparison, State Farm delivers reliable local agent support and low high-risk premiums of $33 per month and earns a solid 93 score, making it the cheapest SR-22 insurance company.
Progressive is the second-cheapest SR-22 car insurance company, offering excellent coverage and competitive quotes with a strong 95 score. GEICO and AIG provide convenient digital-first experiences with competitive scores of 89 and 88, respectively, for modern drivers seeking cheap, quality SR-22 insurance.
| Kemper | $33 | $42 | 85 |
| AIG | $90 | $133 | 88 |
| Geico | $89 | $130 | 89 |
| The Hartford | $58 | $80 | 89 |
| State Farm | $33 | $46 | 93 |
| Progressive | $59 | $80 | 95 |
| Travelers | $40 | $50 | 96 |
| USAA | $28 | $39 | 97 |
Getting SR-22 insurance at the lowest cost involves choosing the right provider and maintaining continuous coverage. If your current insurer offers SR-22 filings, request it after paying a small fee, typically under $30. If not, you’ll need to switch to an insurer that does. Follow these steps to find the most affordable option:
Contact your current insurer to check if it handles SR-22 filings. If it does, request the form and ask about any fees. If it doesn’t, find an insurer that does.
Not all companies insure high-risk drivers, and rates vary widely. Compare quotes from multiple providers specializing in SR-22 insurance to find the lowest rate. Some insurers offer discounts or better rates for high-risk drivers.
Once you choose an insurer, buy a policy that meets your state’s minimum coverage requirements. If you already have coverage, your insurer may allow you to add an SR-22 to your existing policy. Consider selecting a higher deductible to lower your premium.
Your insurer will submit the SR-22 form to your state for a one-time fee, typically under $30. Some states may also require license reinstatement or processing fees, so check with your local DMV to understand the full cost.
Most states require SR-22 filings for three years, although your specific SR-22 insurance requirement may vary based on the severity and recency of the violation. If your policy lapses, your insurer will notify the state, which could lead to license suspension or other penalties - not to mention it will be harder to find cheap SR-22 insurance in the future. Set up automatic payments or renewal reminders to avoid interruptions in coverage.
If you won't be driving soon but need to maintain financial responsibility filing requirements, non-owner SR-22 insurance provides affordable coverage without owning a vehicle. This liability-only policy fulfills state mandates for drivers who don't have regular access to a car but must keep continuous insurance coverage to avoid license suspension penalties.
SR-22 insurance can be costly, but you can lower your premiums with the right strategies. Although insurers may offer fewer discounts to high-risk drivers, you can save by exploring these cost-cutting tips.
Completing court-ordered DUI classes or state-approved defensive driving courses can help reduce SR-22 insurance premiums with participating companies. These driver improvement programs demonstrate rehabilitation efforts to insurers.
Combining your SR-22 car insurance coverage with renters or homeowners insurance creates package savings that offset higher risk driver rates. Bundle discounts typically reduce your overall insurance premiums by 10-25%.
Paying your full premium upfront eliminates monthly processing fees and often includes additional savings. This payment method works well for drivers managing SR-22 filing requirements on a budget, but who have enough saved to pay in full. You will have a higher upfront out-of-pocket expense, but will save even more on your cheap SR-22 insurance the long run.
Usage-based insurance discounts through telematics devices can help high-risk drivers improve their driving behavior, lowering the high cost of SR-22 insurance. However, some states restrict these programs for SR-22 customers, so verify availability with your insurer.
High-risk SR-22 insurance rates vary significantly based on violation severity. For state minimum coverage, hit-and-run violations result in the highest SR-22 insurance premiums, at $188 monthly, followed by DUI convictions, at $184 monthly. Racing violation quotes average $179 monthly, reflecting the serious nature of reckless driving offenses that typically require an SR-22 filing. This highlights the importance of shopping around and finding the cheapest SR-22 Insurance companies to get the cheapest quotes.
Comprehensive and collision coverage substantially amplifies SR-22 premium differences. Full coverage SR-22 insurance for drivers with a hit-and-run violation quotes reach $371 monthly. DUI convictions result in $361 monthly premiums, and racing violations quotes are the second highest at $357 monthly. These rates represent significant increases for SR-22 insurance policies compared to standard coverage, highlighting the long-term financial impact of serious driving violations requiring SR-22 filings on car insurance premiums.
| Hit & Run | $188 | $2,257 |
| DUI - BAC >= .08 | $184 | $2,212 |
| Racing | $179 | $2,151 |
| 2 speeding tickets (11-15 MPH over limit) | $156 | $1,873 |
Drivers with clean records pay $1,109 annually for minimum coverage, and the cheapest SR-22 premiums for full coverage are $2,235. SR-22 requirements increase rates moderately, with speeding violations adding just $764 annually for minimum coverage, while racing and DUI violations add approximately $1,000-1,100 more than clean records.
To find the cheapest SR-22 insurance, compare quotes from at least three insurers. MoneyGeek's car insurance calculator offers an instant, anonymous cost breakdown, helping you identify which companies to consider.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Aug 29, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
SR-22 insurance isn’t a type of coverage but a certificate proving you meet your state’s minimum insurance requirements. Your insurer files it with the state, typically to help reinstate your license. While the SR-22 itself doesn’t raise your rates, it’s often tied to violations that do.
State departments of motor vehicles require SR-22 certificates for serious violations that demonstrate high-risk driving behavior. The following offenses typically trigger mandatory insurance filing requirements:
Non-driving situations may also require SR-22 filing. Some states mandate proof of financial responsibility for unpaid child support obligations, ensuring parents maintain insurance coverage regardless of driving status.
Most drivers must carry SR-22 filing requirements for three years, though the mandatory filing period can range from one to five years depending on state regulations and violation severity. For example, Virginia and Florida require FR-44 financial responsibility certificates instead of the standard SR-22 for DUI convictions, which mandate higher liability coverage limits.
Maintaining continuous insurance coverage during this time is crucial, as your financial responsibility certificate remains valid only with active policies. If your coverage lapses or gets canceled, your insurance company will immediately notify the DMV, potentially triggering license suspension penalties and restarting your SR-22 timeline. State insurance requirements vary significantly across jurisdictions.
Although many people use the term “SR-22 insurance,” there isn’t an insurance product with this name. Instead, you may need an SR-22 filing if you have a DUI or serious moving violation on your driving record, which can affect your rates. When you apply for car insurance, your insurer will file the SR-22 on your behalf. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Drivers caught driving without insurance or a license or who have committed serious traffic violations must file an SR-22 to prove they have the required coverage. An SR-22 typically increases rates, but you can still find affordable options.
Below are frequently asked questions about SR-22 filings and insurance providers:
Erie is the cheapest insurance company for drivers with an SR-22, with an average annual rate minimum coverage of $1,591 annually or $133 per month. Nationally, GEICO and Progressive offer the most affordable rates at $144 and $153 monthly for liability only coverage.
The average car insurance cost with an SR-22 is $1,051 per year for minimum coverage and $2,263 for full coverage.
Travelers offers the best cheap SR-22 car insurance with. MoneyGeek score of 96, a, averaging $40 per month for minimum coverage and $50 annually for full coverage.
You usually need an SR-22 for three years, though the duration can range from one to five years based on your state and the severity of the violation.
An SR-22 or FR-44 filing may be required for offenses like DUI, DWI, OWI, multiple or serious traffic violations, driving without insurance, causing an accident without coverage or unpaid child support.
Study Overview
MoneyGeek analyzed car insurance premiums using data from Quadrant Information Services to identify the cheapest insurers for drivers requiring an SR-22 due to a DUI. The study focuses on national and state-specific rates for these drivers.
Data Acquisition, Depth, and Analysis
We collected data from Quadrant Information Services and state insurance departments, totaling over 529,578 quotes from 67 insurers across all 50 states and 897 ZIP codes. Our analysis used a driver profile with a DUI to identify the most affordable providers.
MoneyGeek used evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) to rank insurers. Rankings were weighted as follows:
Driver Profile
Our sample driver profile includes:
We modified this profile for different ages and locations to reflect state-specific data.
Coverage and Deductibles Explained
When referencing minimum coverage, we mean the state’s liability-only requirement. Full coverage refers to the enhanced policy described above unless noted otherwise.
100/300/100 is an industry-standard for:
In total, MoneyGeek gathered quotes for the following policies:
Learn more about MoneyGeek’s car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
