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Compare Cheap SR-22 Car Insurance Quotes Near You (2023)


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Fact Checked
Updated: Nov 20, 2023
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MoneyGeek found that State Farm is generally the best company for cheap insurance if you have an SR-22 certificate with minimum liability-only coverage limits, costing an average of $614 per year. It’s also the most affordable car insurance company for drivers who need to file an SR-22 and want to get full coverage at an average annual rate of $1,231.

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2023

Cheapest and Best SR-22 Insurance

MoneyGeek found that across the country Progressive is generally the best and cheapest company for SR-22 insurance with an annual rate of $1,058

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.

Overall, the cheapest SR-22 insurance for you will depend on where you live and the nature of your driving violation.

Key Takeaways

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While often referred to as “SR-22 insurance,” an SR-22 refers to a form an insurer must file on your behalf to prove that you meet the state minimum coverage requirements.

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You may need to file an SR-22 after severe driving violations or repeat offenses of minor violations.

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Drivers with a suspended license may need an SR-22 for proof of insurance, and your best option would be to file non-owner SR-22 insurance.


Companies With the Cheapest SR-22 Insurance Quotes (2023)

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 leads to a requirement to file an SR-22 or, in states like Florida and Virginia, an FR-44.

Broken down by age range, the following companies offer the cheapest SR-22 filing:

  • 22-29 years old: Progressive with an average annual rate of $726.
  • 30-59 years old: State Farm costing an average of $614 per year.
  • 60+ years old: State Farm offers an average premium rate of $572 per year for older adults.

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. You may face additional fees to reinstate your license and registration.

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MoneyGeek Top Pick
State Farm

Generally, the best company for cheap SR-22 insurance across the country is State Farm with an average annual rate of $614. The company offers the most affordable plan for most drivers.

The company also offers additional coverages for more protection, including common offerings like rental car and/or travel reimbursement, rideshare insurance and roadside assistance. Drivers may also take advantage of savings opportunities, such as bundling, safe driving, defensive driving and driver’s education discounts.

State Farm Coverages and Discounts

Company
Annual Premium
Monthly Premium

State Farm

$1,514

$126

State Farm

$1,433

$119

State Farm

$1,601

$133

State Farm

$912

$76

State Farm

$1,664

$139

State Farm

$1,583

$132

State Farm

$1,092

$91

State Farm

$1,092

$91

State Farm

$1,350

$113

State Farm

$1,269

$106

State Farm

$1,437

$120

Progressive

$726

$60

State Farm

$1,231

$103

State Farm

$1,174

$98

State Farm

$1,297

$108

State Farm

$767

$64

State Farm

$1,355

$113

State Farm

$1,297

$108

State Farm

$921

$77

State Farm

$921

$77

State Farm

$1,095

$91

State Farm

$1,038

$86

State Farm

$1,161

$97

State Farm

$614

$51

State Farm

$1,129

$94

State Farm

$1,083

$90

State Farm

$1,185

$99

State Farm

$716

$60

State Farm

$1,246

$104

State Farm

$1,199

$100

State Farm

$861

$72

State Farm

$861

$72

State Farm

$1,003

$84

State Farm

$957

$80

State Farm

$1,059

$88

State Farm

$572

$48

Progressive

$1,704

$142

Progressive

$1,622

$135

Progressive

$1,891

$158

Progressive

$973

$81

Progressive

$1,856

$155

Progressive

$1,773

$148

Progressive

$1,144

$95

Progressive

$1,144

$95

Progressive

$1,473

$123

Progressive

$1,391

$116

Progressive

$1,660

$138

State Farm

$731

$61

Progressive

$1,448

$121

Progressive

$1,389

$116

Progressive

$1,593

$133

Progressive

$858

$71

Progressive

$1,576

$131

Progressive

$1,517

$126

Progressive

$1,009

$84

Progressive

$1,009

$84

Progressive

$1,253

$104

Progressive

$1,194

$100

Progressive

$1,398

$117

Progressive

$644

$54

Progressive

$1,506

$125

Progressive

$1,451

$121

Progressive

$1,642

$137

Progressive

$930

$78

Progressive

$1,645

$137

Progressive

$1,591

$133

Progressive

$1,094

$91

Progressive

$1,094

$91

Progressive

$1,290

$108

Progressive

$1,236

$103

Progressive

$1,426

$119

Progressive

$695

$58

Travelers

$1,872

$156

Travelers

$1,804

$150

Travelers

$2,010

$168

Travelers

$1,044

$87

Allstate

$2,026

$169

Allstate

$1,944

$162

Travelers

$1,274

$106

Travelers

$1,274

$106

Farmers

$1,658

$138

Farmers

$1,590

$132

Travelers

$1,805

$150

Travelers

$821

$68

Farmers

$1,656

$138

Farmers

$1,598

$133

Farmers

$1,806

$151

Travelers

$1,005

$84

Allstate

$1,825

$152

Allstate

$1,764

$147

Farmers

$1,216

$101

Farmers

$1,216

$101

Farmers

$1,451

$121

Farmers

$1,393

$116

Farmers

$1,601

$133

Farmers

$791

$66

Farmers

$1,675

$140

Farmers

$1,632

$136

Farmers

$1,804

$150

Nationwide

$1,011

$84

Allstate

$1,855

$155

Allstate

$1,799

$150

Nationwide

$1,204

$100

Nationwide

$1,204

$100

Farmers

$1,448

$121

Farmers

$1,405

$117

Farmers

$1,576

$131

Farmers

$858

$71

Allstate

$1,885

$157

Allstate

$1,804

$150

Farmers

$2,077

$173

Farmers

$1,174

$98

Travelers

$2,073

$173

Travelers

$2,004

$167

Allstate

$1,347

$112

Allstate

$1,347

$112

Travelers

$1,667

$139

Travelers

$1,598

$133

Farmers

$1,830

$153

Farmers

$912

$76

Allstate

$1,695

$141

Allstate

$1,634

$136

Travelers

$1,847

$154

Farmers

$1,011

$84

Farmers

$1,840

$153

Farmers

$1,782

$149

Travelers

$1,228

$102

Travelers

$1,228

$102

Allstate

$1,511

$126

Allstate

$1,450

$121

Travelers

$1,654

$138

Travelers

$795

$66

Allstate

$1,714

$143

Allstate

$1,659

$138

Allstate

$1,863

$155

Travelers

$1,103

$92

Farmers

$1,879

$157

Farmers

$1,836

$153

State Farm

$1,301

$108

Allstate

$1,332

$111

Allstate

$1,514

$126

Allstate

$1,458

$122

Allstate

$1,663

$139

Travelers

$874

$73

Farmers

$1,905

$159

Farmers

$1,837

$153

Allstate

$2,084

$174

Allstate

$1,179

$98

Farmers

$2,124

$177

Farmers

$2,056

$171

Farmers

$1,411

$118

Farmers

$1,411

$118

Allstate

$1,687

$141

Allstate

$1,605

$134

Allstate

$1,885

$157

Allstate

$963

$80

Travelers

$1,729

$144

Travelers

$1,674

$139

Allstate

$1,857

$155

Nationwide

$1,033

$86

Travelers

$1,922

$160

Travelers

$1,867

$156

Nationwide

$1,229

$102

Nationwide

$1,229

$102

Travelers

$1,536

$128

Travelers

$1,481

$123

Allstate

$1,672

$139

Allstate

$903

$75

Nationwide

$1,779

$148

Nationwide

$1,708

$142

Travelers

$1,898

$158

Farmers

$1,104

$92

Nationwide

$1,949

$162

Nationwide

$1,878

$156

Allstate

$1,332

$111

Farmers

$1,335

$111

Travelers

$1,575

$131

Travelers

$1,524

$127

Travelers

$1,686

$140

Nationwide

$936

$78

Nationwide

$2,218

$185

Nationwide

$2,119

$177

Nationwide

$2,614

$218

Nationwide

$1,235

$103

Nationwide

$2,432

$203

Nationwide

$2,333

$194

Nationwide

$1,472

$123

Nationwide

$1,472

$123

Nationwide

$2,117

$176

Nationwide

$2,018

$168

GEICO

$2,492

$208

Nationwide

$1,126

$94

Nationwide

$1,888

$157

Nationwide

$1,805

$150

Nationwide

$2,253

$188

Allstate

$1,106

$92

Nationwide

$2,062

$172

Nationwide

$1,979

$165

Allstate

$1,264

$105

Allstate

$1,264

$105

Nationwide

$1,820

$152

Nationwide

$1,738

$145

Nationwide

$2,185

$182

Nationwide

$958

$80

Travelers

$1,788

$149

Travelers

$1,737

$145

Nationwide

$2,099

$175

Allstate

$1,162

$97

Travelers

$2,000

$167

Travelers

$1,949

$162

Farmers

$1,335

$111

Travelers

$1,344

$112

Nationwide

$1,712

$143

Nationwide

$1,641

$137

Nationwide

$2,032

$169

Allstate

$944

$79

GEICO

$2,665

$222

GEICO

$2,598

$217

GEICO

$2,923

$244

GEICO

$1,635

$136

GEICO

$2,923

$244

GEICO

$2,856

$238

State Farm

$1,751

$146

GEICO

$1,909

$159

GEICO

$2,235

$186

GEICO

$2,167

$181

Nationwide

$2,513

$209

GEICO

$1,186

$99

GEICO

$2,464

$205

GEICO

$2,408

$201

GEICO

$2,690

$224

GEICO

$1,540

$128

GEICO

$2,710

$226

GEICO

$2,654

$221

State Farm

$1,420

$118

GEICO

$1,803

$150

GEICO

$2,060

$172

GEICO

$2,004

$167

GEICO

$2,286

$191

GEICO

$1,116

$93

GEICO

$2,551

$213

GEICO

$2,499

$208

GEICO

$2,766

$230

GEICO

$1,657

$138

GEICO

$2,821

$235

GEICO

$2,769

$231

Travelers

$1,344

$112

GEICO

$1,946

$162

GEICO

$2,104

$175

GEICO

$2,052

$171

GEICO

$2,319

$193

GEICO

$1,190

$99

GEICO

$1,909

$159

Progressive

$1,721

$143

Progressive

$1,781

$148

Progressive

$2,043

$170

GEICO

$1,803

$150

GEICO

$1,946

$162

Travelers

$2,211

$184

Allstate

$1,986

$166

Allstate

$2,004

$167

Allstate

$2,224

$185

Farmers

$1,991

$166

Farmers

$2,007

$167

Farmers

$2,296

$191

Travelers

$2,040

$170

Travelers

$2,111

$176

Nationwide

$2,828

$236

Nationwide

$2,427

$202

Nationwide

$2,269

$189

GEICO

$3,180

$265

GEICO

$2,935

$245

GEICO

$3,036

$253

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, 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.

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CHEAP CAR INSURANCE RESOURCES FOR NON-OWNERS AND HIGH-RISK DRIVERS

A poor driving record significantly impacts the cost of insurance rates. MoneyGeek has the resources to help you find affordable car insurance that meets your needs.

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.

Comparing the cheapest options across all states, MoneyGeek found that Iowa is the cheapest state for a minimum coverage policy after a DUI. California is the most expensive. Meanwhile, Idaho has the most affordable average annual rate for a full coverage policy after a DUI. North Carolina has the highest full coverage rates for drivers with a DUI.

State Farm is the cheapest insurance company in 32 states for both minimum and full coverage policies.

Insurance costs also depend on specific driver profiles and coverage needs. Click your state below to review rates for either a minimum or full coverage policy.

State
Company
Annual Premium
Monthly Premium

Alabama

State Farm

$953

$79

Alabama

State Farm

$410

$34

Alaska

State Farm

$789

$66

Alaska

State Farm

$368

$31

Arizona

Root Insurance Company

$754

$63

Arizona

Travelers

$430

$36

Arkansas

State Farm

$699

$58

Arkansas

State Farm

$266

$22

California

National General

$1,280

$107

California

Mercury

$796

$66

Colorado

American National P&C

$806

$67

Colorado

American National P&C

$353

$29

Connecticut

State Farm

$1,031

$86

Connecticut

State Farm

$525

$44

Delaware

State Farm

$1,033

$86

Delaware

State Farm

$613

$51

District of Columbia

Progressive

$1,206

$101

District of Columbia

State Farm

$600

$50

Florida

State Farm

$1,190

$99

Florida

State Farm

$576

$48

Georgia

Country Financial

$1,094

$91

Georgia

Country Financial

$551

$46

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Idaho

State Farm

$412

$34

Idaho

State Farm

$171

$14

Illinois

American Family

$844

$70

Illinois

Mercury

$338

$28

Indiana

American Family

$706

$59

Indiana

State Farm

$306

$26

Iowa

State Farm

$547

$46

Iowa

State Farm

$160

$13

Kansas

State Farm

$922

$77

Kansas

State Farm

$308

$26

Kentucky

State Farm

$927

$77

Kentucky

State Farm

$400

$33

Louisiana

State Farm

$1,391

$116

Louisiana

State Farm

$580

$48

Maine

State Farm

$627

$52

Maine

Countryway Insurance

$264

$22

Maryland

Progressive

$1,041

$87

Maryland

Progressive

$585

$49

Massachusetts

State Farm

$875

$73

Massachusetts

Hanover

$312

$26

Michigan

Chubb

$961

$80

Michigan

Chubb

$375

$31

Minnesota

State Farm

$862

$72

Minnesota

State Farm

$388

$32

Mississippi

State Farm

$898

$75

Mississippi

State Farm

$330

$28

Missouri

State Farm

$1,034

$86

Missouri

State Farm

$441

$37

Montana

Progressive

$520

$43

Montana

State Farm

$188

$16

Nebraska

American National P&C

$571

$48

Nebraska

American National P&C

$217

$18

Nevada

State Farm

$1,050

$87

Nevada

State Farm

$562

$47

New Hampshire

Concord Group

$949

$79

New Hampshire

Concord Group

$470

$39

New Jersey

Plymouth Rock Assurance

$1,011

$84

New Jersey

Plymouth Rock Assurance

$523

$44

New Mexico

State Farm

$741

$62

New Mexico

State Farm

$286

$24

New York

Progressive

$1,034

$86

New York

Progressive

$648

$54

North Carolina

National General

$2,043

$170

North Carolina

National General

$655

$55

North Dakota

State Farm

$680

$57

North Dakota

State Farm

$246

$21

Ohio

American Family

$619

$52

Ohio

Progressive

$292

$24

Oklahoma

State Farm

$718

$60

Oklahoma

State Farm

$243

$20

Oregon

State Farm

$791

$66

Oregon

State Farm

$433

$36

Pennsylvania

State Farm

$827

$69

Pennsylvania

State Farm

$315

$26

Rhode Island

State Farm

$700

$58

Rhode Island

State Farm

$344

$29

South Carolina

American National P&C

$649

$54

South Carolina

American National P&C

$361

$30

South Dakota

State Farm

$868

$72

South Dakota

State Farm

$242

$20

Tennessee

State Farm

$622

$52

Tennessee

State Farm

$233

$19

Texas

Mercury

$1,218

$101

Texas

Mercury

$543

$45

Utah

State Farm

$1,004

$84

Utah

Progressive

$531

$44

Vermont

State Farm

$527

$44

Vermont

State Farm

$214

$18

Virginia

State Farm

$812

$68

Virginia

State Farm

$331

$28

Washington

PEMCO

$881

$73

Washington

PEMCO

$461

$38

West Virginia

State Farm

$985

$82

West Virginia

State Farm

$423

$35

Wisconsin

State Farm

$677

$56

Wisconsin

State Farm

$269

$22

Wyoming

State Farm

$808

$67

Wyoming

State Farm

$233

$19

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 the state 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?

The best car insurance provider balances affordability and quality service. MoneyGeek analyzed state minimum liability-only policy offers and found that the best companies are:

  • 22–29 years old: Travelers ($821 per year)
  • 30–59 years old: Travelers ($795 per year)
  • 60+ years old: State Farm ($572 per year)

Your age and coverage needs can help determine the best policy and provider of insurance with an SR-22. Use the table below to see how car insurance rates compare across age ranges and policy types.

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MoneyGeek Top Pick
Travelers

Travelers, with an average annual rate of $795, is the top choice for most drivers looking for the best car insurance after a DUI. Although it’s not the most affordable option, the company received the highest overall rating. This shows a good balance between customer service and cost.

Drivers seeking for additional protection may choose from the different coverages Travelers offer, such as rideshare insurance, accident forgiveness, new car replacement and roadside assistance. Policyholders can also find savings opportunities to lower their premiums further.

Travelers Coverages and Discounts

Company
Annual Premium
Monthly Premium
Customer Satisfaction
Claim Satisfaction
Affordability
Coverage Offerings
Financial Stability

Travelers

$1,872

$156

3.56

2.50

4.25

3.75

5.00

Travelers

$1,804

$150

3.56

2.50

4.30

3.75

5.00

Travelers

$2,010

$168

3.56

2.50

4.25

3.75

5.00

Travelers

$1,044

$87

3.56

2.50

4.33

3.75

5.00

Travelers

$2,073

$173

3.56

2.50

4.22

3.75

5.00

Travelers

$2,004

$167

3.56

2.50

4.27

3.75

5.00

Travelers

$1,274

$106

3.56

2.50

4.53

3.75

5.00

Travelers

$1,274

$106

3.56

2.50

4.29

3.75

5.00

Travelers

$1,667

$139

3.56

2.50

4.23

3.75

5.00

Travelers

$1,598

$133

3.56

2.50

4.29

3.75

5.00

Travelers

$1,805

$150

3.56

2.50

4.28

3.75

5.00

Travelers

$821

$68

3.56

2.50

4.38

3.75

5.00

State Farm

$1,231

$103

3.90

2.10

4.66

2.50

5.00

State Farm

$1,174

$98

3.90

2.10

4.68

2.50

5.00

State Farm

$1,297

$108

3.90

2.10

4.70

2.50

5.00

State Farm

$767

$64

3.90

2.10

4.38

2.50

5.00

State Farm

$1,355

$113

3.90

2.10

4.60

2.50

5.00

State Farm

$1,297

$108

3.90

2.10

4.63

2.50

5.00

Travelers

$1,228

$102

3.56

2.50

4.48

3.75

5.00

State Farm

$921

$77

3.90

2.10

4.35

2.50

5.00

State Farm

$1,095

$91

3.90

2.10

4.66

2.50

5.00

State Farm

$1,038

$86

3.90

2.10

4.69

2.50

5.00

State Farm

$1,161

$97

3.90

2.10

4.71

2.50

5.00

Travelers

$795

$66

3.56

2.50

4.22

3.75

5.00

State Farm

$1,129

$94

3.90

2.10

4.76

2.50

5.00

State Farm

$1,083

$90

3.90

2.10

4.77

2.50

5.00

State Farm

$1,185

$99

3.90

2.10

4.81

2.50

5.00

State Farm

$716

$60

3.90

2.10

4.51

2.50

5.00

State Farm

$1,246

$104

3.90

2.10

4.69

2.50

5.00

State Farm

$1,199

$100

3.90

2.10

4.72

2.50

5.00

State Farm

$861

$72

3.90

2.10

4.69

2.50

5.00

State Farm

$861

$72

3.90

2.10

4.48

2.50

5.00

State Farm

$1,003

$84

3.90

2.10

4.76

2.50

5.00

State Farm

$957

$80

3.90

2.10

4.78

2.50

5.00

State Farm

$1,059

$88

3.90

2.10

4.80

2.50

5.00

State Farm

$572

$48

3.90

2.10

4.52

2.50

5.00

State Farm

$1,514

$126

3.90

2.10

4.49

2.50

5.00

State Farm

$1,433

$119

3.90

2.10

4.55

2.50

5.00

State Farm

$1,601

$133

3.90

2.10

4.51

2.50

5.00

State Farm

$912

$76

3.90

2.10

4.46

2.50

5.00

State Farm

$1,664

$139

3.90

2.10

4.47

2.50

5.00

State Farm

$1,583

$132

3.90

2.10

4.53

2.50

5.00

State Farm

$1,092

$91

3.90

2.10

4.63

2.50

5.00

State Farm

$1,092

$91

3.90

2.10

4.44

2.50

5.00

State Farm

$1,350

$113

3.90

2.10

4.47

2.50

5.00

State Farm

$1,269

$106

3.90

2.10

4.54

2.50

5.00

State Farm

$1,437

$120

3.90

2.10

4.53

2.50

5.00

State Farm

$731

$61

3.90

2.10

4.49

2.50

5.00

Travelers

$1,729

$144

3.56

2.50

4.30

3.75

5.00

Travelers

$1,674

$139

3.56

2.50

4.30

3.75

5.00

Travelers

$1,847

$154

3.56

2.50

4.36

3.75

5.00

Travelers

$1,005

$84

3.56

2.50

4.06

3.75

5.00

Travelers

$1,922

$160

3.56

2.50

4.20

3.75

5.00

Travelers

$1,867

$156

3.56

2.50

4.21

3.75

5.00

State Farm

$921

$77

3.90

2.10

4.66

2.50

5.00

Travelers

$1,228

$102

3.56

2.50

4.01

3.75

5.00

Travelers

$1,536

$128

3.56

2.50

4.32

3.75

5.00

Travelers

$1,481

$123

3.56

2.50

4.32

3.75

5.00

Travelers

$1,654

$138

3.56

2.50

4.38

3.75

5.00

State Farm

$614

$51

3.90

2.10

4.48

2.50

5.00

Travelers

$1,788

$149

3.56

2.50

4.29

3.75

5.00

Travelers

$1,737

$145

3.56

2.50

4.27

3.75

5.00

Travelers

$1,898

$158

3.56

2.50

4.35

3.75

5.00

Travelers

$1,103

$92

3.56

2.50

4.06

3.75

5.00

Travelers

$2,000

$167

3.56

2.50

4.15

3.75

5.00

Travelers

$1,949

$162

3.56

2.50

4.15

3.75

5.00

Travelers

$1,344

$112

3.56

2.50

4.41

3.75

5.00

Travelers

$1,344

$112

3.56

2.50

4.00

3.75

5.00

Travelers

$1,575

$131

3.56

2.50

4.31

3.75

5.00

Travelers

$1,524

$127

3.56

2.50

4.31

3.75

5.00

Travelers

$1,686

$140

3.56

2.50

4.38

3.75

5.00

Travelers

$874

$73

3.56

2.50

4.08

3.75

5.00

Progressive

$1,704

$142

3.28

2.40

4.36

3.75

4.00

Progressive

$1,622

$135

3.28

2.40

4.42

3.75

4.00

Progressive

$1,891

$158

3.28

2.40

4.33

3.75

4.00

Progressive

$973

$81

3.28

2.40

4.40

3.75

4.00

Progressive

$1,856

$155

3.28

2.40

4.36

3.75

4.00

Progressive

$1,773

$148

3.28

2.40

4.41

3.75

4.00

Progressive

$1,144

$95

3.28

2.40

4.60

3.75

4.00

Progressive

$1,144

$95

3.28

2.40

4.39

3.75

4.00

Progressive

$1,473

$123

3.28

2.40

4.38

3.75

4.00

Progressive

$1,391

$116

3.28

2.40

4.45

3.75

4.00

Progressive

$1,660

$138

3.28

2.40

4.38

3.75

4.00

Progressive

$726

$60

3.28

2.40

4.49

3.75

4.00

Progressive

$1,448

$121

3.28

2.40

4.50

3.75

4.00

Progressive

$1,389

$116

3.28

2.40

4.51

3.75

4.00

Progressive

$1,593

$133

3.28

2.40

4.52

3.75

4.00

Progressive

$858

$71

3.28

2.40

4.26

3.75

4.00

Progressive

$1,576

$131

3.28

2.40

4.44

3.75

4.00

Progressive

$1,517

$126

3.28

2.40

4.47

3.75

4.00

State Farm

$1,420

$118

3.90

2.10

4.36

2.50

5.00

Progressive

$1,009

$84

3.28

2.40

4.25

3.75

4.00

Progressive

$1,253

$104

3.28

2.40

4.54

3.75

4.00

Progressive

$1,194

$100

3.28

2.40

4.56

3.75

4.00

Progressive

$1,398

$117

3.28

2.40

4.55

3.75

4.00

Progressive

$644

$54

3.28

2.40

4.44

3.75

4.00

Progressive

$1,506

$125

3.28

2.40

4.49

3.75

4.00

Progressive

$1,451

$121

3.28

2.40

4.49

3.75

4.00

Progressive

$1,642

$137

3.28

2.40

4.52

3.75

4.00

Progressive

$930

$78

3.28

2.40

4.26

3.75

4.00

Progressive

$1,645

$137

3.28

2.40

4.41

3.75

4.00

Progressive

$1,591

$133

3.28

2.40

4.42

3.75

4.00

State Farm

$1,301

$108

3.90

2.10

4.43

2.50

5.00

Progressive

$1,094

$91

3.28

2.40

4.25

3.75

4.00

Progressive

$1,290

$108

3.28

2.40

4.54

3.75

4.00

Progressive

$1,236

$103

3.28

2.40

4.55

3.75

4.00

Progressive

$1,426

$119

3.28

2.40

4.56

3.75

4.00

Progressive

$695

$58

3.28

2.40

4.34

3.75

4.00

Farmers

$1,905

$159

3.38

2.30

4.23

3.63

3.00

Farmers

$1,837

$153

3.38

2.30

4.28

3.63

3.00

Farmers

$2,077

$173

3.38

2.30

4.21

3.63

3.00

Farmers

$1,174

$98

3.38

2.30

4.20

3.63

3.00

Farmers

$2,124

$177

3.38

2.30

4.19

3.63

3.00

Farmers

$2,056

$171

3.38

2.30

4.24

3.63

3.00

Travelers

$2,211

$184

3.56

2.50

4.01

3.75

5.00

Farmers

$1,411

$118

3.38

2.30

4.17

3.63

3.00

Farmers

$1,658

$138

3.38

2.30

4.24

3.63

3.00

Farmers

$1,590

$132

3.38

2.30

4.30

3.63

3.00

Farmers

$1,830

$153

3.38

2.30

4.26

3.63

3.00

Farmers

$912

$76

3.38

2.30

4.26

3.63

3.00

Farmers

$1,656

$138

3.38

2.30

4.35

3.63

3.00

Farmers

$1,598

$133

3.38

2.30

4.35

3.63

3.00

Farmers

$1,806

$151

3.38

2.30

4.38

3.63

3.00

Farmers

$1,011

$84

3.38

2.30

4.05

3.63

3.00

Farmers

$1,840

$153

3.38

2.30

4.26

3.63

3.00

Farmers

$1,782

$149

3.38

2.30

4.27

3.63

3.00

Progressive

$1,009

$84

3.28

2.40

4.61

3.75

4.00

Farmers

$1,216

$101

3.38

2.30

4.03

3.63

3.00

Farmers

$1,451

$121

3.38

2.30

4.39

3.63

3.00

Farmers

$1,393

$116

3.38

2.30

4.39

3.63

3.00

Farmers

$1,601

$133

3.38

2.30

4.41

3.63

3.00

Farmers

$791

$66

3.38

2.30

4.22

3.63

3.00

Farmers

$1,675

$140

3.38

2.30

4.37

3.63

3.00

Farmers

$1,632

$136

3.38

2.30

4.35

3.63

3.00

Farmers

$1,804

$150

3.38

2.30

4.41

3.63

3.00

Farmers

$1,104

$92

3.38

2.30

4.06

3.63

3.00

Farmers

$1,879

$157

3.38

2.30

4.24

3.63

3.00

Farmers

$1,836

$153

3.38

2.30

4.23

3.63

3.00

Progressive

$1,094

$91

3.28

2.40

4.55

3.75

4.00

Farmers

$1,335

$111

3.38

2.30

4.01

3.63

3.00

Farmers

$1,448

$121

3.38

2.30

4.41

3.63

3.00

Farmers

$1,405

$117

3.38

2.30

4.41

3.63

3.00

Farmers

$1,576

$131

3.38

2.30

4.45

3.63

3.00

Farmers

$858

$71

3.38

2.30

4.10

3.63

3.00

GEICO

$2,665

$222

3.74

2.20

3.72

2.50

5.00

GEICO

$2,598

$217

3.74

2.20

3.78

2.50

5.00

GEICO

$2,923

$244

3.74

2.20

3.68

2.50

5.00

GEICO

$1,635

$136

3.74

2.20

3.75

2.50

5.00

GEICO

$2,923

$244

3.74

2.20

3.71

2.50

5.00

GEICO

$2,856

$238

3.74

2.20

3.76

2.50

5.00

State Farm

$1,751

$146

3.90

2.10

4.26

2.50

5.00

GEICO

$1,909

$159

3.74

2.20

3.76

2.50

5.00

GEICO

$2,235

$186

3.74

2.20

3.79

2.50

5.00

GEICO

$2,167

$181

3.74

2.20

3.86

2.50

5.00

GEICO

$2,492

$208

3.74

2.20

3.82

2.50

5.00

GEICO

$1,186

$99

3.74

2.20

3.92

2.50

5.00

GEICO

$2,464

$205

3.74

2.20

3.77

2.50

5.00

Allstate

$1,634

$136

3.20

1.90

4.33

3.75

4.00

GEICO

$2,690

$224

3.74

2.20

3.82

2.50

5.00

Nationwide

$1,033

$86

2.98

2.40

4.02

3.75

4.00

Allstate

$1,825

$152

3.20

1.90

4.27

3.75

4.00

Allstate

$1,764

$147

3.20

1.90

4.29

3.75

4.00

Travelers

$2,040

$170

3.56

2.50

4.00

3.75

5.00

Nationwide

$1,229

$102

2.98

2.40

4.01

3.75

4.00

GEICO

$2,060

$172

3.74

2.20

3.91

2.50

5.00

GEICO

$2,004

$167

3.74

2.20

3.89

2.50

5.00

GEICO

$2,286

$191

3.74

2.20

3.95

2.50

5.00

GEICO

$1,116

$93

3.74

2.20

3.74

2.50

5.00

Nationwide

$1,779

$148

2.98

2.40

4.29

3.75

4.00

Nationwide

$1,708

$142

2.98

2.40

4.29

3.75

4.00

GEICO

$2,766

$230

3.74

2.20

3.80

2.50

5.00

Nationwide

$1,011

$84

2.98

2.40

4.17

3.75

4.00

Nationwide

$1,949

$162

2.98

2.40

4.19

3.75

4.00

Nationwide

$1,878

$156

2.98

2.40

4.20

3.75

4.00

Travelers

$2,111

$176

3.56

2.50

3.96

3.75

5.00

Nationwide

$1,204

$100

2.98

2.40

4.14

3.75

4.00

GEICO

$2,104

$175

3.74

2.20

3.90

2.50

5.00

GEICO

$2,052

$171

3.74

2.20

3.87

2.50

5.00

GEICO

$2,319

$193

3.74

2.20

3.95

2.50

5.00

GEICO

$1,190

$99

3.74

2.20

3.62

2.50

5.00

Allstate

$1,885

$157

3.20

1.90

4.24

3.75

4.00

Allstate

$1,804

$150

3.20

1.90

4.30

3.75

4.00

Allstate

$2,084

$174

3.20

1.90

4.21

3.75

4.00

Nationwide

$1,235

$103

2.98

2.40

4.14

3.75

4.00

Allstate

$2,026

$169

3.20

1.90

4.25

3.75

4.00

Allstate

$1,944

$162

3.20

1.90

4.31

3.75

4.00

GEICO

$1,909

$159

3.74

2.20

4.18

2.50

5.00

Allstate

$1,347

$112

3.20

1.90

4.22

3.75

4.00

Allstate

$1,687

$141

3.20

1.90

4.21

3.75

4.00

Allstate

$1,605

$134

3.20

1.90

4.28

3.75

4.00

Allstate

$1,885

$157

3.20

1.90

4.23

3.75

4.00

Allstate

$963

$80

3.20

1.90

4.20

3.75

4.00

Allstate

$1,695

$141

3.20

1.90

4.32

3.75

4.00

GEICO

$2,408

$201

3.74

2.20

3.73

2.50

5.00

Allstate

$1,857

$155

3.20

1.90

4.35

3.75

4.00

GEICO

$1,540

$128

3.74

2.20

3.35

2.50

5.00

GEICO

$2,710

$226

3.74

2.20

3.64

2.50

5.00

GEICO

$2,654

$221

3.74

2.20

3.63

2.50

5.00

Farmers

$1,216

$101

3.38

2.30

4.48

3.63

3.00

Allstate

$1,264

$105

3.20

1.90

3.97

3.75

4.00

Allstate

$1,511

$126

3.20

1.90

4.34

3.75

4.00

Allstate

$1,450

$121

3.20

1.90

4.35

3.75

4.00

Allstate

$1,672

$139

3.20

1.90

4.37

3.75

4.00

Allstate

$903

$75

3.20

1.90

4.06

3.75

4.00

Allstate

$1,714

$143

3.20

1.90

4.34

3.75

4.00

Allstate

$1,659

$138

3.20

1.90

4.33

3.75

4.00

Allstate

$1,863

$155

3.20

1.90

4.38

3.75

4.00

GEICO

$1,657

$138

3.74

2.20

3.42

2.50

5.00

Allstate

$1,855

$155

3.20

1.90

4.26

3.75

4.00

Allstate

$1,799

$150

3.20

1.90

4.26

3.75

4.00

Farmers

$1,335

$111

3.38

2.30

4.41

3.63

3.00

Allstate

$1,332

$111

3.20

1.90

4.02

3.75

4.00

Allstate

$1,514

$126

3.20

1.90

4.36

3.75

4.00

Allstate

$1,458

$122

3.20

1.90

4.37

3.75

4.00

Allstate

$1,663

$139

3.20

1.90

4.40

3.75

4.00

Nationwide

$936

$78

2.98

2.40

3.99

3.75

4.00

Nationwide

$2,218

$185

2.98

2.40

4.02

3.75

4.00

Nationwide

$2,119

$177

2.98

2.40

4.09

3.75

4.00

Nationwide

$2,614

$218

2.98

2.40

3.87

3.75

4.00

Allstate

$1,179

$98

3.20

1.90

4.20

3.75

4.00

Nationwide

$2,432

$203

2.98

2.40

4.01

3.75

4.00

Nationwide

$2,333

$194

2.98

2.40

4.07

3.75

4.00

Farmers

$1,411

$118

3.38

2.30

4.45

3.63

3.00

Nationwide

$1,472

$123

2.98

2.40

4.12

3.75

4.00

Nationwide

$2,117

$176

2.98

2.40

3.88

3.75

4.00

Nationwide

$2,018

$168

2.98

2.40

3.97

3.75

4.00

Nationwide

$2,513

$209

2.98

2.40

3.81

3.75

4.00

Nationwide

$1,126

$94

2.98

2.40

4.00

3.75

4.00

Nationwide

$1,888

$157

2.98

2.40

4.18

3.75

4.00

Nationwide

$1,805

$150

2.98

2.40

4.20

3.75

4.00

Nationwide

$2,253

$188

2.98

2.40

4.10

3.75

4.00

Allstate

$1,106

$92

3.20

1.90

3.93

3.75

4.00

Nationwide

$2,062

$172

2.98

2.40

4.10

3.75

4.00

Nationwide

$1,979

$165

2.98

2.40

4.13

3.75

4.00

GEICO

$1,803

$150

3.74

2.20

4.14

2.50

5.00

GEICO

$1,803

$150

3.74

2.20

3.38

2.50

5.00

Nationwide

$1,820

$152

2.98

2.40

4.10

3.75

4.00

Nationwide

$1,738

$145

2.98

2.40

4.11

3.75

4.00

Nationwide

$2,185

$182

2.98

2.40

4.02

3.75

4.00

Nationwide

$958

$80

2.98

2.40

3.98

3.75

4.00

GEICO

$2,551

$213

3.74

2.20

3.73

2.50

5.00

GEICO

$2,499

$208

3.74

2.20

3.69

2.50

5.00

Nationwide

$2,099

$175

2.98

2.40

4.23

3.75

4.00

Allstate

$1,162

$97

3.20

1.90

4.00

3.75

4.00

GEICO

$2,821

$235

3.74

2.20

3.57

2.50

5.00

GEICO

$2,769

$231

3.74

2.20

3.53

2.50

5.00

GEICO

$1,946

$162

3.74

2.20

4.05

2.50

5.00

GEICO

$1,946

$162

3.74

2.20

3.41

2.50

5.00

Nationwide

$1,712

$143

2.98

2.40

4.21

3.75

4.00

Nationwide

$1,641

$137

2.98

2.40

4.21

3.75

4.00

Nationwide

$2,032

$169

2.98

2.40

4.15

3.75

4.00

Allstate

$944

$79

3.20

1.90

3.98

3.75

4.00

Progressive

$2,043

$170

3.28

2.40

4.10

3.75

4.00

Progressive

$1,721

$143

3.28

2.40

4.19

3.75

4.00

Progressive

$1,781

$148

3.28

2.40

4.15

3.75

4.00

Allstate

$1,347

$112

3.20

1.90

4.49

3.75

4.00

Nationwide

$1,229

$102

2.98

2.40

4.48

3.75

4.00

Nationwide

$1,204

$100

2.98

2.40

4.49

3.75

4.00

Nationwide

$1,472

$123

2.98

2.40

4.42

3.75

4.00

Allstate

$1,264

$105

3.20

1.90

4.46

3.75

4.00

Allstate

$1,332

$111

3.20

1.90

4.41

3.75

4.00

Farmers

$2,296

$191

3.38

2.30

3.96

3.63

3.00

Farmers

$1,991

$166

3.38

2.30

4.03

3.63

3.00

Farmers

$2,007

$167

3.38

2.30

4.02

3.63

3.00

GEICO

$3,180

$265

3.74

2.20

3.48

2.50

5.00

GEICO

$2,935

$245

3.74

2.20

3.48

2.50

5.00

Allstate

$2,004

$167

3.20

1.90

4.02

3.75

4.00

Allstate

$2,224

$185

3.20

1.90

4.00

3.75

4.00

Allstate

$1,986

$166

3.20

1.90

4.03

3.75

4.00

GEICO

$3,036

$253

3.74

2.20

3.42

2.50

5.00

Nationwide

$2,828

$236

2.98

2.40

3.67

3.75

4.00

Nationwide

$2,427

$202

2.98

2.40

3.78

3.75

4.00

Nationwide

$2,269

$189

2.98

2.40

3.87

3.75

4.00

What Is an SR-22?

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.

Which Companies Offer SR-22 Filing?

  • Allstate with an average annual rate of $903.
  • Farmers with an average annual rate of $791.
  • GEICO with an average annual rate of $1,116.
  • Nationwide with an average annual rate of $958.
  • Progressive with an average annual rate of $644.
  • State Farm with an average annual rate of $614.
  • Travelers with an average annual rate of $795.

The best way to find the cheapest insurance with an SR-22 is to compare car insurance quotes from three different insurers. Our 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.

How Much Is SR-22 Insurance?

MoneyGeek found that the drivers who need to file SR-22 insurance will pay $378 more per year for a state minimum coverage and $808 more per year for a full coverage policy.

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

On average, drivers who need SR-22 insurance pay $867 per year for a minimum coverage policy and $1,862 per year for full coverage insurance.

Compare policy types and view the average rates in your state to see how rates change by driving record. Click on your state to learn more about cheap car insurance with SR-22 filing where you live.

State
Annual Premium - Clean Record
Annual Premium - SR-22
Cost Difference
Percent Increase

Alabama

$852

$1,451

$599

41%

Alabama

$359

$630

$271

43%

Alaska

$393

$572

$179

31%

Alaska

$849

$1,171

$322

27%

Arizona

$506

$855

$348

41%

Arizona

$1,078

$1,790

$713

40%

Arkansas

$384

$583

$200

34%

Arkansas

$932

$1,378

$447

32%

California

$575

$1,420

$845

59%

California

$1,343

$3,375

$2,032

60%

Colorado

$431

$755

$324

43%

Colorado

$985

$1,660

$675

41%

Connecticut

$661

$2,173

$1,512

70%

Connecticut

$1,305

$4,286

$2,981

70%

District of Columbia

$533

$870

$337

39%

District of Columbia

$1,188

$1,917

$729

38%

Florida

$804

$1,103

$299

27%

Florida

$1,628

$2,353

$725

31%

Georgia

$447

$795

$348

44%

Georgia

$915

$1,660

$745

45%

Hawaii

$341

$1,371

$1,030

75%

Hawaii

$797

$3,143

$2,346

75%

Idaho

$295

$512

$218

43%

Idaho

$651

$1,092

$440

40%

Illinois

$922

$1,475

$553

37%

Illinois

$387

$646

$259

40%

Indiana

$344

$619

$274

44%

Indiana

$722

$1,289

$568

44%

Iowa

$249

$445

$196

44%

Iowa

$791

$1,336

$545

41%

Kansas

$1,035

$1,729

$694

40%

Kansas

$405

$705

$300

43%

Louisiana

$1,493

$2,755

$1,263

46%

Louisiana

$596

$1,036

$440

42%

Maine

$714

$1,228

$514

42%

Maine

$345

$592

$247

42%

Michigan

$1,773

$4,402

$2,629

60%

Michigan

$881

$2,348

$1,467

62%

Minnesota

$474

$969

$495

51%

Minnesota

$1,056

$1,936

$880

45%

Mississippi

$392

$773

$380

49%

Mississippi

$917

$1,775

$857

48%

Missouri

$1,297

$1,827

$530

29%

Missouri

$560

$836

$276

33%

Montana

$934

$1,588

$654

41%

Montana

$295

$488

$192

39%

Nebraska

$972

$1,884

$912

48%

Nebraska

$368

$785

$417

53%

Nevada

$1,534

$2,487

$953

38%

Nevada

$817

$1,329

$512

39%

New Hampshire

$950

$2,117

$1,167

55%

New Hampshire

$463

$1,059

$596

56%

North Dakota

$773

$1,218

$445

37%

North Dakota

$311

$511

$200

39%

Ohio

$742

$1,293

$551

43%

Ohio

$364

$642

$278

43%

Oregon

$1,107

$1,658

$551

33%

Oregon

$629

$936

$307

33%

South Carolina

$1,303

$2,066

$763

37%

South Carolina

$679

$1,099

$419

38%

South Dakota

$286

$540

$254

47%

South Dakota

$950

$1,813

$863

48%

Tennessee

$846

$1,606

$760

47%

Tennessee

$340

$667

$327

49%

Texas

$1,183

$1,747

$564

32%

Texas

$551

$855

$304

36%

Utah

$951

$1,589

$638

40%

Utah

$517

$875

$358

41%

Vermont

$265

$503

$238

47%

Vermont

$664

$1,367

$702

51%

Virginia

$443

$704

$261

37%

Virginia

$942

$1,521

$579

38%

Washington

$1,049

$1,666

$618

37%

Washington

$565

$881

$316

36%

Wisconsin

$379

$618

$239

39%

Wisconsin

$907

$1,425

$518

36%

Wyoming

$242

$442

$200

45%

Wyoming

$854

$1,631

$777

48%

How to Get an SR-22

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

1

Contact Your Insurer

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. If you miss a deadline your license may be suspended.

2

Pay the Fee

There is usually a fee to get an SR-22 filed. The fee usually costs around $25.

3

Insurer Files For You

Once you've paid the fee, the insurer will file the SR-22 form with your state on your behalf. It may take a few weeks for the file to be processed with your state's department of Insurance.

4

Prepare Your Budget

Once you have an SR-22 filed, you should prepare yourself financially for higher car insurance rates. The average rate increase for drivers who file an SR-22 is $758 more per year.

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MONEYGEEK EXPERT TIP

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.

Insurance Rates

Compare Auto Insurance Rates

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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.

Learn More About Car Insurance

About Margaret Wack


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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.