Which company has the cheapest insurance for someone with an SR-22?

The cheapest insurance company for individuals with SR-22 insurance depends on individualized factors, such as where you live and your age. Nationally, the most affordable company is State Farm. It has an average annual rate of $614. Ask the insurance provider if they offer monthly payments so you can avail a low upfront cost through the no down payment scheme .

How much does insurance with an SR-22 cost on average?

The average cost of insurance with an SR-22 is $867 per year for a minimum coverage policy and $1,862 per year for full coverage insurance. That’s an increase of $378 and $808 annually over the average cost of insurance for a driver with a clean driving record.

Which company has the best insurance for an SR-22?

Travelers is the best insurance provider for a minimum coverage policy with an SR22. It has an average annual rate of $795. For a full coverage policy (100/300/100 with $1000 deductible) with an SR-22, MoneyGeek’s top pick is State Farm. The company offers an average annual rate of $1,231 per year. When looking for the best option for you, you need to consider which company offers affordable rates, excellent customer service as well as financial stability. MoneyGeek has the resources to help you shop for car insurance by company reviews.

What types of infractions require SR-22 filing?

The most common reasons an SR-22 or FR-44 may be required include: A DUI (driving under the influence), DWI (driving while intoxicated or impaired), or OWI (operating while intoxicated) Multiple or serious moving violations Driving or getting into an accident without insurance Unpaid child support

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

State Farm offers the cheapest SR-22 insurance at $614 annually. Filing SR-22 insurance may increase a minimum coverage policy by $378 – full coverage may increase by $808. Compare quotes from multiple insurers to find the best deal.

Compare Rates and Save on Car Insurance

By Margaret Wack, Freelance Personal Finance Writer

Fact Checked

By Mark Friedlander, Insurance Information Institute, Director, Corporate Communications, Insurance Information Institute

Updated: Nov 20, 2023

Edited by

Amy Wilder

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.

Cheapestand BestSR-22 Insurance

2023

Cheapest and Best SR-22 Insurance

Cheapest SR-22 Insurance Nationally

Cheapest SR-22 Insurance by State

Best SR-22 Insurance

What Is an SR-22?

How Does an SR-22 Affect Rates?

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

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.

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.

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

Coverage

Age Group

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.

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.

Coverage

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.

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

Age Group

Coverage

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.

Coverage

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.

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.

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.

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

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.

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

On This Page:

Key Takeaways

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

Cheapest SR-22 Insurance in Your State

Which Companies Have the Best SR-22 Insurance?

What Is an SR-22?

Which Companies Offer SR-22 Filing?

How Much Is SR-22 Insurance?

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

How to Get an SR-22

Contact Your Insurer

Pay the Fee

Insurer Files For You

Prepare Your Budget

Compare Auto Insurance Rates

FAQs About Filing an SR-22 for Car Insurance

Learn More About Car Insurance