Cheapest SR-22 Car Insurance in Washington, DC (2024)

State Farm and Erie offer the cheapest SR-22 insurance in Washington, D.C., charging an average of $600 and $611 per year, respectively. GEICO and State Farm are the cheapest companies for non-owner SR-22 insurance, with an average cost of $267 and $467 per year, respectively.

SR-22 is not actually a type of car insurance but a mandated certificate of financial responsibility that lets the District of Columbia know that your auto policy meets the district's minimum insurance requirements. Your insurer files it with the DMV on your behalf, and it is generally required following severe violations like a DUI.

The following insurance providers offer the cheapest minimum coverage policies for drivers with a DUI in Washington, D.C.:

• State Farm: $600 per year
• Erie: $611 per year

These companies are the most affordable options for full coverage policies:

• Progressive: $1,206 per year
• Erie: $1,229 per year

Insurers generally charge higher rates for drivers with offenses on their record as they are considered high-risk drivers. However, it's still possible to find cheap SR-22 car insurance following a violation by shopping around. drivers can still find affordable insurance by shopping around.

The table below lists the cheapest companies for SR-22 car insurance in Washington, D.C., along with their average costs, ranging from $600 per year to $1,796 per year.

An SR-22 is a mandated certificate of financial responsibility, not a type of insurance policy. You may be required to file an SR-22 in Iowa after a severe driving violation to prove that your insurance policy meets Washington, D.C.’s, minimum auto coverage requirements.

In most cases, you'll need to keep an SR-22 on file for one to five years, depending on the severity of the offense. If you commit repeat offenses, the filing period may be longer.

Following a violation that requires an SR-22, your insurer will file this form with the Washington, D.C., DMV on your behalf. Your insurance rates will likely increase after filing since insurers will consider you a high-risk driver.

MoneyGeek’s research found that the following insurance providers offer the cheapest non-owner SR-22 car insurance in Washington, D.C.:

• GEICO: $404 per year
• State Farm: $540 per year

If you have a military background, USAA is another great option, with an average annual rate of $461.

In some cases, you may still be required to file an SR-22 even if you don’t own a car. You might need non-owner car insurance if your vehicle was totaled or if you need to get your license reinstated.

The cheapest companies for non-owner auto insurance in Washington, D.C., are listed below, along with their average costs. Rates range from $404 per year to $1,198 per year.

The average cost of SR-22 insurance in Washington, D.C., for a driver with a DUI is $870 per year for minimum coverage and $1,917 per year for full coverage. Keep in mind that you might need to file an SR-22 for other offenses like a speeding ticket or an at-fault accident.

Driving offenses can cause your auto insurance rates to increase significantly because insurance companies consider you a riskier driver to insure.

You can expect your rates to increase after you file an SR-22, as insurers consider you a high-risk driver. In Washington, D.C., drivers with a DUI on their record pay an average of $318 more per year for a policy than drivers with clean records.

In addition to driving violations such as DUIs and at-fault accidents, other situations that may require an SR-22 include not complying with court-mandated child support, driving without insurance and reinstating a suspended or revoked license.

In addition to leading to an increase in rates, an SR-22 can also impact your car insurance in several other ways.

Getting car insurance after a driving violation in Washington, D.C., usually involves following these steps:

• Look for an insurance company offering policies to drivers with violations on their record.
• Get an insurance policy that meets the minimum auto insurance requirements in Washington, D.C.
• Ask your insurer to file an SR-22 with the disctrict on your behalf.
• Pay the necessary fees and be sure to keep the filing up to date.

Purchasing an insurance policy after a DUI will usually be more expensive, but you can still find affordable SR-22 car insurance by following these steps.

MoneyGeek answered frequently asked questions about SR-22 car insurance in Washington, D.C., to help you learn more.