Cheapest SR-22 Car Insurance in Washington

Progressive provides Washington's cheapest SR-22 insurance at $1,314 for minimum coverage and $2,237 for full coverage. That minimum rate is $622 below the state average of $1,936, or roughly 32% cheaper, offering moderate savings in the Pacific Northwest market.

Farmers, the most expensive provider on our list, charges $1,522 for minimum coverage, still 21% below the state average but only $208 more than Progressive. Washington shows relatively tight pricing between major carriers.

You can find the five insurers offering Washington's cheapest SR-22 premiums in the table below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm is the top low-cost insurer across most categories. The least expensive category is Drivers With Other Violations, averaging $1,012 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Young Drivers With a Suspension, at $1,435 with American Family. The $423 spread highlights how youth and suspension history combine to escalate SR-22 costs.

SR-22 rates depend heavily on violation type and recency, with repeat incidents leading to sharper increases.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Brewster has the lowest minimum coverage SR-22 at $758 (Farmers), while Kent averages $1,433 (Progressive). The $675 gap, or about 89% higher, shows how Seattle-area cities price significantly above rural Washington.
Claim trends, traffic volumes, and repair accessibility all shape SR-22 costs across Washington cities.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive ranks as the best car insurance provider for SR-22 filing because it offers the strongest balance of affordable rates, good customer service and useful coverage options, earning it the highest overall MoneyGeek score. However, you should also consider Travelers, American Family, State Farm and Farmers in your search.

To comply with Washington laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

While SR-22 certification meets Washington's basic insurance requirements, drivers must also comply with several additional state regulations and coverage rules.

In Washington, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three years from the conviction date, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Washington:

MoneyGeek analyzed hundreds of thousands of quotes across Washington to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Washington SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Washington's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.