Updated: July 3, 2025
Advertising & Editorial Disclosure
State Farm is the best overall value for drivers who must file an SR-22, with a MoneyGeek score of 96 out of 100 and rates starting at $68 monthly.
Progressive offers competitive full coverage with an average rate of $1,621 annually ($135 monthly), though Erie leads regionally at $309 monthly ($3,710 annually).
Drivers who need SR-22 pay an average of $1,051 per year for minimum coverage and $2,263 per year for full coverage nationwide.
Erie provides excellent affordable SR-22 auto insurance at $192 monthly or $2,307 annually, while GEICO offers competitive rates at $227 monthly and Travelers delivers solid value at $228 monthly for budget-conscious high-risk drivers requiring quality SR-22 filings. The table below shows the cheapest SR-22 insurance companies and their average rates for high-risk drivers.
| Erie | $192 | $2,307 |
| GEICO | $227 | $2,723 |
| Travelers | $228 | $2,736 |
| Progressive | $231 | $2,770 |
| State Farm | $262 | $3,144 |
| Farmers | $335 | $4,018 |
| Allstate | $338 | $4,059 |
| Nationwide | $385 | $4,623 |
Erie leads with exceptional minimum coverage SR-22 car insurance at $133 monthly or $1,591 annually, while GEICO provides great value at $144 monthly and Progressive offers affordable options at $153 monthly. These competitive liability rates deliver excellent savings across different states.
| Erie | $133 | $1,591 |
| GEICO | $144 | $1,732 |
| Progressive | $153 | $1,831 |
| Travelers | $153 | $1,835 |
| State Farm | $182 | $2,180 |
| Farmers | $230 | $2,762 |
| Allstate | $238 | $2,853 |
| Nationwide | $260 | $3,123 |
Erie delivers outstanding full coverage SR-22 auto insurance value at $252 monthly or $3,022 annually, while Travelers provides excellent coverage at $303 monthly and Progressive offers quality protection at $309 monthly for comprehensive collision coverage and financial peace of mind.
| Erie | $252 | $3,022 |
| Travelers | $303 | $3,637 |
| Progressive | $309 | $3,710 |
| GEICO | $309 | $3,714 |
| State Farm | $342 | $4,109 |
| Allstate | $439 | $5,264 |
| Farmers | $440 | $5,274 |
| Nationwide | $510 | $6,123 |
AIG provides exceptional value for non-owner SR-22 liability insurance at just $72 monthly or $870 annually, while AAA offers reliable coverage at $123 monthly and Allstate comes in third at $203 monthly for high-risk drivers seeking affordable options.
| AAA | $202 | $2,429 |
| AIG | $135 | $1,619 |
| Allstate | $286 | $3,434 |
| Chubb | $204 | $2,448 |
| Farmers | $205 | $2,464 |
| Geico | $92 | $1,107 |
| Kemper | $51 | $617 |
| National General | $113 | $1,361 |
| Nationwide | $176 | $2,115 |
| Progressive | $112 | $1,349 |
| State Farm | $56 | $678 |
| Travelers | $56 | $673 |
Multiple trusted insurers compete in each state, ensuring drivers have excellent affordable options. Progressive leads in 12 states, while Travelers and State Farm provide competitive coverage across multiple regions, giving budget-conscious drivers with violations access to quality protection nationwide.
The table below shows the cheapest SR-22 insurance companies by state and their affordable rates for drivers.
| Alabama | Travelers | $79 | $949 | 38% |
| Alaska | State Farm | $94 | $1,127 | 7% |
| Arizona | Travelers | $97 | $1,162 | 39% |
| Arkansas | Travelers | $75 | $896 | 27% |
| California | Farmers | $130 | $1,554 | 45% |
| Colorado | Progressive | $87 | $1,041 | 37% |
| Connecticut | GEICO | $168 | $2,016 | 48% |
| District of Columbia | Erie | $128 | $1,537 | 23% |
| Florida | Travelers | $137 | $1,648 | 33% |
| Georgia | Progressive | $180 | $2,156 | 31% |
| Hawaii | State Farm | $66 | $788 | 66% |
| Idaho | State Farm | $42 | $504 | 49% |
| Illinois | Travelers | $87 | $1,046 | 40% |
| Indiana | Progressive | $63 | $755 | 33% |
| Iowa | Progressive | $47 | $563 | 29% |
| Kansas | State Farm | $59 | $704 | 40% |
| Louisiana | Progressive | $170 | $2,040 | 54% |
| Maine | Travelers | $52 | $618 | 42% |
| Maryland | GEICO | $82 | $980 | 56% |
| Massachusetts | GEICO | $130 | $1,564 | 31% |
| Michigan | Progressive | $138 | $1,653 | 60% |
| Mississippi | Travelers | $86 | $1,033 | 44% |
| Missouri | Travelers | $73 | $875 | 67% |
| Montana | State Farm | $37 | $447 | 58% |
| Nebraska | Progressive | $75 | $896 | 54% |
| Nevada | Travelers | $158 | $1,902 | 38% |
| New Hampshire | Progressive | $66 | $795 | 44% |
| New Jersey | GEICO | $159 | $1,910 | 65% |
| North Dakota | Progressive | $52 | $626 | 68% |
| Ohio | GEICO | $79 | $951 | 26% |
| Oregon | Progressive | $84 | $1,014 | 53% |
| Rhode Island | State Farm | $84 | $1,008 | 61% |
| South Carolina | Travelers | $137 | $1,643 | 26% |
| South Dakota | Progressive | $29 | $348 | 65% |
| Tennessee | Travelers | $67 | $807 | 42% |
| Texas | State Farm | $100 | $1,203 | 34% |
| Utah | GEICO | $115 | $1,379 | 26% |
| Vermont | State Farm | $34 | $412 | 55% |
| Virginia | Travelers | $69 | $826 | 69% |
| Washington | Progressive | $101 | $1,216 | 17% |
| West Virginia | State Farm | $84 | $1,011 | 36% |
| Wisconsin | Travelers | $59 | $707 | 37% |
| Wyoming | State Farm | $37 | $439 | 32% |
USAA provides exceptional SR-22 insurance for military members and their families and recieved the highest MoneyGeek score of 97 with average rates as low as $28 monthly. Travelers insurance follows closely with outstanding civilian coverage and a 96 score with rates just $12 more - averaging $40 monthly, while Progressive offers excellent coverage and competitive pricing with a strong 95 score with premiums of $59 monthly. State Farm delivers reliable local agent support and low high-risk premiums of $33 per month. Both GEICO insurance and AIG insurance provide convenient digital-first experiences with competitive scores of 89 and 88 respectively for modern drivers seeking quality protection.
| Kemper | $33 | $42 | 85 |
| AIG | $90 | $133 | 88 |
| Geico | $89 | $130 | 89 |
| The Hartford | $58 | $80 | 89 |
| State Farm | $33 | $46 | 93 |
| Progressive | $59 | $80 | 95 |
| Travelers | $40 | $50 | 96 |
| USAA | $28 | $39 | 97 |
Getting SR-22 insurance at the lowest cost involves choosing the right provider and maintaining continuous coverage. If your current insurer offers SR-22 filings, request it after paying a small fee, typically under $30. If not, you’ll need to switch to an insurer that does.
Follow these steps to find the most affordable option:
Contact your current insurer to check if it handles SR-22 filings. If it does, request the form and ask about any fees. If it doesn’t, find an insurer that does.
Not all companies insure high-risk drivers, and rates vary widely. Compare quotes from multiple providers specializing in SR-22 insurance to find the lowest rate. Some insurers offer discounts or better rates for high-risk drivers.
Once you choose an insurer, buy a policy that meets your state’s minimum coverage requirements. If you already have coverage, your insurer may allow you to add an SR-22 to your existing policy. Consider selecting a higher deductible to lower your premium.
Your insurer will submit the SR-22 form to your state for a one-time fee, typically under $30. Some states may also require license reinstatement or processing fees, so check with your local DMV to understand the full cost.
Most states require an SR-22 for three years, though this can vary. If your policy lapses, your insurer will notify the state, which could lead to license suspension or other penalties. Set up automatic payments or renewal reminders to avoid interruptions.
If you won't be driving soon but your state requires SR-22 insurance, you can opt for non-owner car insurance to meet this need.
SR-22 insurance can be costly, but you can lower your premiums with the right strategies. Although insurers may offer fewer discounts to high-risk drivers, you can save by exploring these cost-cutting tips.
Completing a state-approved defensive driving or DUI education course can qualify you for discounts with some insurers.
Combining your auto insurance with renters or homeowners insurance can lower premiums.
Paying your premium upfront instead of in monthly installments can reduce your total cost.
Enrolling in a telematics program that tracks safe driving habits may help lower your rates.
For minimum coverage, drivers with speeding violations pay competitive rates at $156 monthly compared to $92 for clean records. Racing violations cost $179 monthly, DUI violations average $184 monthly, and hit and run violations reach $188 monthly. Full coverage starts at $314 monthly for speeding violations and ranges up to $371 monthly for hit and run cases, compared to $186 monthly for clean records.
Budget-conscious drivers can still access quality affordable coverage across all violation types, with many insurers specializing in high-risk driver programs to provide enhanced financial protection.
The table below compares SR-22 insurance costs by violation type and coverage level.
| Hit & Run | $188 | $2,257 |
| DUI - BAC >= .08 | $184 | $2,212 |
| Racing | $179 | $2,151 |
| 2 speeding tickets (11-15 MPH over limit) | $156 | $1,873 |
Drivers with clean records pay $1,109 annually for minimum coverage and $2,235 for full coverage. SR-22 requirements increase costs moderately, with speeding violations adding just $764 annually for minimum coverage, while racing and DUI violations add approximately $1,000-1,100 more than clean records.
To find the cheapest SR-22 insurance, compare quotes from at least three insurers. MoneyGeek's car insurance calculator offers an instant, anonymous cost breakdown, helping you identify which companies to consider.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 03, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
SR-22 insurance isn’t a type of coverage but a certificate proving you meet your state’s minimum insurance requirements. Your insurer files it with the state, typically to help reinstate your license. While the SR-22 itself doesn’t raise your rates, it’s often tied to violations that do.
Drivers usually need an SR-22 after serious traffic offenses. Requirements vary by state. For example, Virginia and Florida require an FR-44 instead of an SR-22 for DUI convictions.
The following traffic offenses often lead to an SR-22 filing requirement:
If you have unpaid child support, some states may require you to file an SR-22 as proof of financial responsibility.
If you don't own a vehicle but need an SR-22, consider non-owner car insurance, which is usually more affordable than standard policies and meets insurance requirements.
Most drivers must carry an SR-22 for three years, though the duration can range from one to five years depending on state rules and the violation’s severity. Maintaining active car insurance during this time is crucial, as the SR-22 is valid only with continuous coverage. If your policy lapses or is canceled, your insurer will notify the state, which could lead to a suspended license.
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
Drivers caught driving without insurance or a license or who have committed serious traffic violations must file an SR-22 to prove they have the required coverage. An SR-22 typically increases rates, but you can still find affordable options.
Below are frequently asked questions about SR-22 filings and insurance providers:
Erie is the cheapest insurance company for drivers with an SR-22, with an average annual rate minimum coverage of $1,591 annually or $133 per month. Nationally, GEICO and Progressive offer the most affordable rates at $144 and $153 monthly for liability only coverage.
The average car insurance cost with an SR-22 is $1,051 per year for minimum coverage and $2,263 for full coverage.
Travelers offers the best cheap SR-22 car insurance with. MoneyGeek score of 96, a, averaging $40 per month for minimum coverage and $50 annually for full coverage.
You usually need an SR-22 for three years, though the duration can range from one to five years based on your state and the severity of the violation.
An SR-22 or FR-44 filing may be required for offenses like DUI, DWI, OWI, multiple or serious traffic violations, driving without insurance, causing an accident without coverage or unpaid child support.
Study Overview
MoneyGeek analyzed car insurance premiums using data from Quadrant Information Services to identify the cheapest insurers for drivers requiring an SR-22 due to a DUI. The study focuses on national and state-specific rates for these drivers.
Data Acquisition, Depth, and Analysis
We collected data from Quadrant Information Services and state insurance departments, totaling over 529,578 quotes from 67 insurers across all 50 states and 897 ZIP codes. Our analysis used a driver profile with a DUI to identify the most affordable providers.
MoneyGeek used evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) to rank insurers. Rankings were weighted as follows:
Driver Profile
Our sample driver profile includes:
We modified this profile for different ages and locations to reflect state-specific data.
Coverage and Deductibles Explained
When referencing minimum coverage, we mean the state’s liability-only requirement. Full coverage refers to the enhanced policy described above unless noted otherwise.
100/300/100 is an industry-standard for:
In total, MoneyGeek gathered quotes for the following policies:
Learn more about MoneyGeek’s car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
