Compare Cheap SR-22 Car Insurance Quotes Near You (2022)
Progressive offers cheap SR-22 insurance at an average of $1,058 per year. Drivers who need to file an SR-22 will pay an average of $758 more per year for insurance. You should compare SR-22 quotes from multiple insurance companies to ensure that you’re getting the best possible deal.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Cheapest 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.
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
You may need to file an SR-22 after severe driving violations or repeat offenses of minor violations.
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.
Why Trust MoneyGeek We collected data from Quadrant Information Services using a sample driver profile with a DUI to analyze and discover the cheapest car insurance companies nationally and by state if you need to file an SR-22. MoneyGeek also utilized industry-leading evaluations such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and created a ranking system to discover the best companies that offer SR-22 filing.
The Companies With the Cheapest SR-22 Insurance Quotes in 2022
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.
- Progressive is the cheapest SR-22 insurance provider that is widely available to most drivers, with an average annual rate of $1,058.
- State Farm is the second cheapest SR-22 insurance provider available to most drivers, with an average annual rate of $1,208.
- USAA is the overall cheapest car insurance company for drivers who need to file an SR-22 at an average of $838 per year. But, this insurer is only available for current and former military service members, spouses and children.
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
Scroll for more
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.
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.
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
Scroll for more
- StateAverage Annual Cost of SR-22 Insurance in StateCheapest CompanyCheapest Company Average Annual Cost
- $1,087Southern Farm Bureau$481
- $1,629State Farm$817
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.
The Best Insurance Companies for SR-22 Insurance
Scroll for more
- CompanyMoneyGeek Score (out of 100)Satisfaction Score (out of 5)Complaints Score (out of 5)Stability Score (out of 5)Affordability Score (out of 5)
- State Farm813454
- Farmers Insurance753444
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 but is only available to eligible drivers with a military association. Progressive was a close second with a score of 84, and is widely available in 48 out of 50 states in the U.S.
On a national average, Progressive offers the best and cheapest SR-22 insurance rate of $1,058.
Progressive scored 84 out of 100 using the scoring system outlined in our methodology. The company is known for strong financial stability and affordability and scored mid-tier for customer satisfaction and complaints.
Progressive offers a Name Your Price Tool that allows you to explore the coverage options available to you by price range. And, it also offers a variety of discounts and additional coverages to provide its customers with the quality service and coverage they need. Learn more below.
Progressive Coverages and Discounts
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?
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:
- Progressive with an average annual rate of $1,058
- USAA with an average annual rate of $838
- State Farm with an average annual rate of $1,208
- GEICO with an average annual rate of $1,354
- Allstate with an average annual rate of $1,503
- MetLife with an average annual rate of $2,859
While USAA offers the cheapest SR-22 insurance rates on average, USAA is only available to those eligible with a military association or status. The best way to find the cheapest SR-22 insurance 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 on average, drivers who need to file SR-22 insurance will pay $758 more per year for insurance. Filing an SR-22 doesn't directly affect your rates, it's the associated violations that increase the cost of insurance. The severity of the violation as well as your elected coverage will ultimately determine how much of a cost increase you can expect. Insurance with a required SR-22 form may cost less for more minor infractions depending on your insurer and your driving history.
The following section showcases how having an SR-22 could affect your rates by comparing the cost of minimum and full coverage insurance with or without an SR-22. The cost analysis is broken down by state, as states regulate insurance requirements individually.
How Will an SR-22 Affect Your Car Insurance Rates?
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.
Average Annual Rate Change With an SR-22
Scroll for more
- StateMinimum Coverage Clean RecordMinimum Coverage SR-22Full Coverage Clean RecordFull Coverage SR-22
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.
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.
Pay the Fee
There is usually a fee to get an SR-22 filed. The fee usually costs around $25.
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.
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.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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 the Author