Compare Cheap SR-22 Car Insurance Quotes Near You (2024)

Progressive offers the most affordable liability-only coverage at $662 yearly. State Farm is the second cheapest provider at $782 yearly.

SR-22 is not insurance itself. It's a certificate of financial responsibility your insurer files with the state that proves you have the required insurance coverage. Drivers typically need an SR-22 if they’re caught driving without insurance or a license or if they commit a DUI (driving under the influence) or other serious traffic violations.

The cost of SR-22 coverage will depend on the actual violation a driver incurred that resulted in the state requiring an SR-22. More severe offenses may result in a higher rate. A DUI conviction usually requires filing an SR-22; states like Florida and Virginia require an FR-44 instead.

The following companies offer the cheapest SR-22 filing by age range:

• 22–29 years old: Progressive has an average annual rate of $747
• 30–59 years old: Progressive costs an average of $662 per year
• 60+ years old: State Farm offers an average annual rate of $716

These rates represent averages for minimum coverage policy and don’t include the cost of filing an SR-22. The filing fee varies by state but is usually around $25. You may face additional fees to reinstate your license and registration.

These quotes are national averages for car insurance that meets only minimum state requirements for a driver with a DUI.

If you’re required to file an SR-22, double-check that your insurer is willing to file the form on your behalf. While most insurers will agree to file an SR-22 form for customers, not all companies are willing to insure drivers who require the form. To get the most accurate picture of the rates you qualify for, you should only compare insurance quotes across companies you know are willing to file for you.

For drivers with a DUI, Delaware and North Carolina are the most expensive states for minimum coverage, with annual premiums of $859 and $828, respectively. On the other hand, Iowa offers annual coverage at $188, while Montana has premiums at a slightly lower rate of $151 per year.

The cost of insurance heavily depends on your location, as rates vary significantly from state to state. Insurers also differ in assessing DUIs and other violations, meaning the cheapest national provider may not be the most affordable in your state. To discover the best rates for your specific situation, whether for minimum or full coverage, select your state below and review the available options.

Costs are based on the average rates for a sample driver in a given state for a 100/300/100 full coverage policy with a $1,000 deductible or for a liability-only policy that meets a particular state's minimum car insurance coverage. In this scenario, the driver has a DUI on their record.

The companies with the cheapest full coverage car insurance for drivers who need an SR-22 are:

• 22–29 years old: Progressive has an average annual rate of $1,925
• 30–59 years old: Progressive costs an average of $1,621 per year
• 60+ years old: State Farm offers an average annual rate of $1,507

Progressive will handle the SR-22 proof of insurance filing for you, usually for less than $30. Remember that it’s important to maintain this coverage for as long as your state requires. If you let it lapse, the DMV (Department of Motor Vehicles) will find out, and you might lose your driving privileges.

State Farm is the best car insurance company that balances affordability and quality service, with a MoneyGeek score of 80 out of 100 for both minimum and full coverage policies.

To get SR-22 car insurance from State Farm, buy a policy and tell the agent you need an SR-22 certificate. Big insurance companies like State Farm typically don't advertise SR-22 insurance, so you need to talk to an agent directly.

An SR-22 is a form typically needed by drivers who've committed serious violations, like a DUI. It's a certificate your insurance company files to the state to prove you have insurance. If you have unpaid child support, some states may even require you to file an SR-22 as proof of financial responsibility.

Different states have different requirements. For example, while most states ask for an SR-22 after major violations, Virginia and Florida require an FR-44 for DUI convictions, necessitating extra insurance coverage. Consider a non-owner car insurance policy if you need an SR-22 but don't own a vehicle. These are usually more affordable than standard policies and fulfill insurance requirements.

Typically, carrying an SR-22 is a three-year commitment. However, this can range from one to five years based on state regulations and the severity of the violation. Maintaining an active insurance policy during this time is important, as the SR-22 is only valid under these conditions. If your insurance lapses or is canceled, your insurer will notify the state, potentially resulting in a suspended license.

Remember, any time without coverage doesn't count toward your SR-22 requirement.

Fulfilling the specific time frame set by your state will lead to the removal of your SR-22 status. If you’ve maintained a clean record, it’s possible to see lower rates on your next car insurance quote.

On average, a policy with an SR-22 insurance costs:

• For liability-only coverage: $1,051 per year
• For full coverage: $2,263 per year

Drivers who need to file SR-22 insurance will pay $478 more per year for state minimum coverage and $1,019 more per year for a full coverage policy.

Though the SR-22 itself doesn’t hike up your rates, it's often linked with offenses that do, like:

• Driving under the influence (DUI) or driving while intoxicated (DWI)
• Repeated traffic offenses or numerous tickets in a short time frame
• At-fault accidents without insurance coverage
• Serious moving violations, such as reckless driving
• Failure to maintain mandatory insurance coverage as required by your state
• Driving with a suspended or revoked license

To offset the cost of insuring a high-risk driver, stick to your state’s minimum car insurance requirements to find the cheapest liability-only car insurance policy.

Major insurers seldom promote their SR-22 filing service, but most offer it. If you need an SR-22, contact your insurer's agent to file it for you, usually for a one-time fee. These companies will file an SR-22 on your behalf:

• Allstate, with an average annual rate of $1,095
• Farmers, with an average annual rate of $917
• GEICO, with an average annual rate of $1,378
• Nationwide, with an average annual rate of $1,112
• Progressive, with an average annual rate of $655
• State Farm, with an average annual rate of $757
• Travelers, with an average annual rate of $860

The best way to find the cheapest insurance with an SR-22 is to compare car insurance quotes from three different insurers. MoneyGeek's car insurance calculator can instantly and anonymously provide you with a breakdown of costs by different insurers to give you a head start on which companies to seek quotes from.

MoneyGeek has answered the most common questions about SR-22 filings and insurance providers to simplify the process.