Cheapest SR-22 Insurance Rates & Companies (2026)

The cheapest SR-22 insurance comes from Erie Insurance at $114. GEICO, Travelers, and State Farm also offer the lowest rates, depending on driving violations, state, and age.

Find out if you're overpaying for SR-22 car insurance below and save up to $694 a year.

Written by Mark Fitzpatrick

Updated: August 1, 2026

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Cheapest SR-22 Insurance Companies: MoneyGeek's Take

Erie offers the cheapest SR-22 minimum coverage at $114 monthly, 36% below the national average. Erie is not available in all states. For drivers outside Erie's footprint, GEICO at $136 monthly is the most affordable nationally available option.

Travelers earns the highest MoneyGeek score of 95 for SR-22 drivers, combining strong claims handling, broad coverage options and competitive rates. It is the strongest choice for drivers who want reliability alongside affordability.

SR-22 costs vary by violation type. Hit-and-run convictions produce the highest premiums at $188 monthly, nearly three times the cost of a minor at-fault accident at $64 monthly. The violation on your record drives the rate increase far more than the SR-22 filing itself.

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Cheapest SR-22 Insurance

Erie offers the lowest SR-22 rates at $114 per month for minimum coverage, but operates in only 12 states. For most drivers, GEICO's nationwide average of $136 per month is the cheapest option because of its broader availability.

Start with Erie if it operates in your state first, as it's most likely the most affordable auto insurer. Then, GEICO and Travelers both offer highly competitive rates and are often the cheapest option in multiple states and for different driving violations.

Travelers offers competitive pricing, with rates averaging $150 per month, and is worth the extra $14 over GEICO's premiums if you prefer a local agent to help with your SR-22 filings, know which discounts are available to you, and discuss whether you need to make changes to a family policy to save the most money.


Erie	$114	$224	$1,321	36%
GEICO	$136	$295	$1,908	18%
Travelers	$150	$297	$1,765	15%
State Farm	$160	$309	$1,791	11%
Progressive	$169	$345	$2,115	3%

Cheapest SR-22 Car Insurance by State

Travelers is the cheapest auto insurer, providing SR-22 drivers with coverage in 16 states; State Farm in 13; and Progressive in 12.

SR-22 rates vary by state, and the cheapest carrier depends on several factors, such as the driving violation on your record, the city you live in, and your age, which is why getting at least 3 quotes is important to ensure you get the lowest possible rate.

The states where shopping could save you the most money on your auto insurance premium are the ones where the gap between the cheapest insurer and the state average rate is widest. In Connecticut, where GEICO is the most affordable at $168, 48% below its state average, and California, where Farmers has the lowest rates at $130, 45% below its state average, are the two clearest examples where finding a budget-friendly auto insurer in your state versus accepting a higher rate because you didn't shop around can add up to real annual savings.

In tighter markets like Alaska, where the cheapest carrier is just 7% below the state average, lowering your coverage level and raising your deductible saves you more money than switching from the most expensive to the least expensive insurer in the state.

Data filtered by:


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%

Cheapest Non-Owner SR-22 Insurance

State Farm and Kemper offer the lowest premiums without membership restrictions for drivers who need to file an SR-22, don't own a car, and need coverage for a vehicle they don't drive regularly, at $33 per month.

Kemper is a regional insurer and might not be available in your state, but if it is, you should get a quote from it to compare with State Farm's rates.


USAA	$28	$39	$126	43%
State Farm	$33	$46	$165	33%
Kemper	$33	$42	$108	36%
Travelers	$40	$50	$119	23%

*USAA offers the cheapest non-owner SR-22 policies at $28 per month, but its policies are limited to military members, veterans and their families.

What Is the Average Cost of SR-22 Insurance?

On average, hit-and-run convictions produce the highest premiums at $188 monthly, slightly above DUI at $184. An at-fault accident typically costs $64 monthly, $1,488 less than a hit-and-run because a hit-and-run claim against you means you left the scene, which is treated as a deliberate choice, which insurers include in their risk assessment of providing you coverage more than an accident you caused. Similarly, drivers who need to file an S4-22 for racing pay almost as much as someone with a DUI, with rates averaging $179 monthly.

See our guide to high-risk car insurance for a full breakdown of how violations affect rates beyond the SR-22 requirement.


Accident $1000-$1999 Prop Dmg (Non-Owner)	$64	$772
2 speeding tickets (11-15 MPH over limit)	$156	$1,873
Racing	$179	$2,151
DUI - BAC >= .08	$184	$2,212
Hit & Run	$188	$2,257

Best Rated SR-22 Insurance Companies

Travelers earns the best-rated SR-22 car insurance company, earning a 95 out of 100. It's the only auto insurer we reviewed that consistently offers low rates and an exceptional customer experience through its local agent network. Its agent network files SR-22 certificates electronically in all states where it operates, and its digital platform shows filing status in real time.

Progressive scores 94 and earns its popularity among drivers with an SR-22 filing requirement for one specific reason: its digital dashboard shows filing status, upcoming renewal dates and state notifications in one place. While Travelers offers a similar digital dashboard, State Farm's is best for drivers managing an SR-22 for the first time, as visibility reduces the risk of an accidental lapse that would restart the filing clock.


Travelers	5	4	5	95
Progressive	4	5	5	94
State Farm	4	3	5	88
Geico	4	3	5	88
Chubb	5	4	4	88

*USAA scores 97 but is only available to military members, veterans and their families.

Travelers

Best SR-22 Insurance Company

At $122 monthly for minimum coverage and $233 for full coverage, Travelers is not the cheapest option in every state. Still, for drivers who want an auto insurer that handles the SR-22 process reliably from start to finish, it earns its top ranking in MoneyGeek's analysis.

Travelers received an A++ AM Best rating, the highest financial strength designation available to auto insurers. A carrier with a high financial strength rating is unlikely to become fiscally unstable during your SR-22 filing requirement and create filing complications or cancel your coverage, which could affect your license status. Due to this and Travelers' customer reviews, it earned a customer experience score of 5 out of 5 in our analysis, reflecting that a driver who files a claim during their SR-22 period is unlikely to face coverage disputes on top of an already difficult situation.

How to Get Cheap SR-22 Car Insurance Rates

Auto insurers price SR-22 policies differently; the cheapest depends on your exact conviction. Finding cheap SR-22 insurance means shopping around for the lowest rates while keeping continuous coverage. If your current insurer handles SR-22 filings, request one after paying a small fee (typically under $30). If not, switch to an insurer that does.

1
Match your carrier to your violation type
The carrier that prices best for a DUI is often not the carrier that prices best for a speeding ticket. In our analysis, State Farm applies zero surcharge for speeding violations in several states while charging significantly more for DUI. National General prices DUI profiles more competitively than most standard carriers. Starting with the carrier that specializes in your specific violation type produces more savings than loyalty to your current insurer.
2
Never let your SR-22 policy lapse
A coverage gap during your SR-22 period is the single most expensive mistake an SR-22 holder can make. Your insurer notifies the state immediately when a policy lapses, which can trigger license suspension and restart your SR-22 filing clock in most states. Set up automatic payments before anything else. The cost of a lapse in terms of extended requirements and higher rates dwarfs any short-term premium savings from dropping coverage temporarily.
3
Consider telematics to lower your rate
Telematics programs like Progressive Snapshot and State Farm Drive Safe & Save can produce meaningful discounts for SR-22 holders who have genuinely improved their driving since the violation. The risk is real though. Programs that monitor hard braking, speed and phone use can raise your rate if your driving data comes back poorly. If you are confident in your current driving habits, telematics is worth enrolling in. If not, a standard policy without monitoring is the safer choice.
4
Re-shop at every renewal
SR-22 surcharges decrease as the violation ages on your record. A carrier that was most competitive the day after your violation may not be the most competitive two years later as your risk profile improves. Shopping at every renewal during the SR-22 period consistently produces savings that staying loyal to one carrier does not.
5
Request removal as soon as you are eligible
Most states require three years but will not automatically remove your SR-22 filing when the period ends. Your insurer notifies the state when coverage lapses but does not always notify them when the requirement expires. Call your insurer on or just after your eligibility date and request the filing be removed. Staying on SR-22 status longer than required means paying elevated rates you no longer owe.

SR-22 Car Insurance: FAQ

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

Both are certificates your insurer files with the state confirming you carry required coverage. FR-44 applies specifically to DUI or DWI convictions in Florida and Virginia and requires higher liability limits than a standard SR-22, making it more expensive. If you received a DUI in either state, ask your insurer about FR-44 requirements before purchasing a policy.

Most states require three years, though duration ranges from one to five years depending on your state and violation. The clock starts from your conviction or license reinstatement date, not your policy purchase date. A coverage lapse typically restarts the clock entirely.

Yes, and it is often worth doing at renewal as your violation ages. Confirm your new carrier has filed the SR-22 before canceling your old policy. A single day gap between filings can trigger the same consequences as a lapse. Progressive, Travelers and State Farm all handle transitions electronically.

Not all carriers handle SR-22 filings, and some will cancel your policy when they learn of the violation. If your current insurer declines, you need to switch to a carrier that files in your state before your license reinstatement deadline. Progressive, Travelers, State Farm and GEICO all file SR-22s nationally. Call your new carrier and confirm they will file before you cancel the old policy.

Cheap SR-22 Auto Insurance: Related Pages

About Mark Fitzpatrick

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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Sources

National Conference of State Legislatures. "License Restrictions for Failure to Pay Child Support." Accessed July 15, 2025.