Compare Cheap SR-22 Car Insurance Quotes Near You

Drivers who need to file an SR-22 will pay an average of $758 more per year for insurance. MoneyGeek found that the cheapest insurance company for those who have to file an SR-22 due to a severe traffic violation, such as a DUI, is Progressive, which costs an average of $1,058 per year. If you file an SR-22, you should be sure to compare quotes from multiple insurance companies to ensure that you’re getting the best possible deal.

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Last Updated: 3/10/2022
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SR-22 insurance isn’t a specific insurance product you can get from an insurance company; it’s a form your insurer is required to file proving you have car insurance that meets your state’s minimum requirements.

Drivers typically need an SR-22 if they’re caught driving without insurance or a license or if they commit a DUI or other serious traffic violation. While an SR-22 doesn’t in and of itself automatically drive up your insurance rates, drivers who need an SR-22 often pay more for insurance because of past driving violations. MoneyGeek found that across the country Progressive is generally the cheapest company for insurance with an SR-22, but the cheapest for you may depend on where you live and the nature of your driving violation.

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The Companies With the Cheapest SR-22 Insurance Quotes

The cost of SR-22 insurance will depend on the actual violation a driver incurred that resulted in the state requiring in SR-22. More severe offenses may result in a higher rate. A DUI conviction usually leads to a requirement to file an SR-22 or, in states like Florida and Virginia, an FR-44.

  • USAA is the cheapest car insurance company for drivers with a SR-22 at an an average of $838 per year. But this insurer is only available for current and former military service members, spouses and children.
  • Progressive is the second cheapest insurance provider and it is widely available, with an average annual rate of $1,058 for drivers convicted of a DUI.

These rates represent averages for a minimum coverage policy and don’t include the cost of filing an SR-22, which varies by state but is usually around $25.

Cheapest Companies for SR-22 Insurance on Average

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Quotes are national averages for car insurance meeting only minimum state requirements for a driver with a DUI, as detailed in MoneyGeek's methodology.

If you’re required to file an SR-22, you should be sure to 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 what rates you qualify for, you should only compare insurance quotes across companies you know are willing to file for you.

The Companies With the Cheapest SR-22 Insurance in Your State

Insurance costs can vary widely depending on the state where you live. This means that the cheapest insurance provider at the national level may not be the cheapest in your state. Different insurers charge different rates depending on your location, and they may also penalize DUIs and other violations differently in each state.

MoneyGeek has highlighted the cheapest insurance company in each state for drivers with a DUI violation. State Farm is the cheapest company in 21 states, while USAA is the least expensive in 15 states.

Because insurance depends on your specific situation, including where you live, your age, your driving history and other factors, you should be sure to get personalized quotes from different insurers. Click your state below to find more resources on SR-22 filings and insurance where you live.

SR-22 Insurance Costs by State

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Costs are based on the average rates for a sample driver in a given state buying the minimum car insurance coverage required in that location. In this scenario, the driver has a DUI on their record.

Which Companies Have the Best SR-22 Insurance?

If you’re looking to save the most money possible on car insurance, it’s a good idea to compare quotes to determine who the cheapest insurer is. That said, there’s more to the best insurance providers than the rate they quote you. If you’re somewhat flexible on price, you should also look for a company with a history of strong customer service and financial stability. This can help ensure that your experience is a positive one if you ever need to make a claim.

According to MoneyGeek’s research, both USAA and Progressive are strong options based on factors such as affordability for drivers with a DUI on their record, customer satisfaction, company stability and customer complaints. USAA received the highest total MoneyGeek Score at 99, while Progressive was a close second at 84.

The Best Insurance Companies for SR-22 Insurance

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  • Company
    MoneyGeek Score (out of 100)
    Satisfaction Score (out of 5)
    Complaints Score (out of 5)
    Stability Score (out of 5)
    Affordability Score (out of 5)
  • USAA
  • Progressive
  • State Farm
  • Farmers Insurance
  • Nationwide
  • Allstate
  • Travelers

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What Is an SR-22 and How Does It Affect Your Rates?

An SR-22 is a specific form you may be required to file after committing certain driving violations. While an SR-22 form won’t necessarily raise your insurance rates in and of itself, it’s often associated with violations that dramatically increase your rates, such as a DUI. In most cases, you’ll have to ask your insurance provider to file an SR-22 form on your behalf.

Most states require an SR-22 form after certain violations. But some states, such as Virginia and Florida, require an FR-44 form, which is a similar form specifically for drivers convicted of DUIs that requires them to secure additional insurance coverage.

If you are required to have an SR-22 but don’t own a car, you should seek a non-owner car insurance policy with an insurer, which is generally cheaper than a standard policy.

Key Takeaways


While often referred to as “SR-22 insurance,” an SR-22 refers to a form an insurer must file on your behalf.


The SR-22 form proves to the state that you are meeting insurance requirements for minimum coverage.


You may need to file one after severe driving violations or repeat offenses of minor violations.

How Will an SR-22 Affect Your Car Insurance Rates?

An SR-22 form doesn’t directly affect your rates. But it’s often associated with violations that significantly increase the cost of car insurance, and the severity of the violation will ultimately determine how much of an impact it has on your rates.

For example, the average cost of a minimum coverage car insurance policy is $728 annually, while a minimum coverage car insurance policy for a driver with a DUI averages $1,485. Full coverage policies are typically more expensive.

  • State with the highest cost for minimum coverage policies with an SR-22: Michigan, $9,991
  • State with the lowest cost for minimum coverage policies with an SR-22: Wyoming, $528
  • State with the highest cost for full coverage policies with an SR-22: Michigan, $13,684
  • State with the lowest cost of full coverage policies with an SR-22: Maine, $956

The numbers listed above are averages, and individual car insurance companies may penalize drivers less or more for a DUI violation. Insurance with a required SR-22 form may cost less for more minor infractions.

Average Annual Rate Change With an SR-22

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  • State
    Minimum Coverage Clean Record
    Minimum Coverage SR-22
    Full Coverage Clean Record
    Full Coverage SR-22
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, D.C.
  • West Virginia
  • Wisconsin
  • Wyoming

Which Companies Offer SR-22 Filing? How Do You Get an SR-22?

While most major insurance companies will file an SR-22 form on your behalf, not all of them do, and you should check with your insurer to make sure it’s something they offer. Getting an insurer to file an SR-22 form for you is generally a straightforward process, with a cost of around $25 to file the form. Major insurance companies that do file SR-22 forms include:

  • State Farm
  • Allstate
  • USAA
  • MetLife

There are a few steps you need to take if your state requires you to file an SR-22 form after a driving violation.

  1. Contact your insurer or find an insurer who will file an SR-22. There are typically filing deadlines, so it’s best to do this step as quickly as possible.
  2. Pay the fee (usually around $25).
  3. The insurer will file an SR-22 form with your state on your behalf.
  4. Prepare for higher rates than before.

FAQs About Filing an SR-22 for Car Insurance

Still have questions? We gathered the most common questions about SR-22 filings and insurance providers to simplify the process.


MoneyGeek analyzed car insurance premiums from top insurance companies across the country in partnership with Quadrant. Quotes were gathered for policies that meet the state’s minimum coverage requirements for a driver with a DUI on his record that is thus required to file an SR-22.

Drivers may have to file an SR-22 after any serious driving violation or repeated offenses. Data on this page is solely for a sample driver who has been convicted of a DUI.

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About the Author


Margaret Wack is a freelance writer who covers insurance, saving, investing, banking, and more. Margaret earned a bachelor's degree in classics, comparative literature, and poetry from Smith College and a master's degree from St. John's College.