Compare Rates and Save On Auto Insurance


Which Washington Insurance Companies Offer the Cheapest SR-22 Insurance?

The cost of SR-22 insurance is much higher than a standard insurance policy. While SR-22 form filing can be done for a small fee, the actual cost of SR-22 coverage is much higher because of the severity of the driving offense associated with it. SR-22 insurance can also be more costly because of the loss of good driver discounts. In Washington, minimum SR-22 coverage costs about $1,214 per year on average compared to the average annual price of $691 for drivers with a clean record.

Fortunately, there are some options available for low-cost SR-22 car insurance in Washington. MoneyGeek’s research shows that State Farm is the most affordable SR-22 insurance provider, with an average yearly cost of $550 for minimum DUI coverage.

Cheapest Companies for SR-22 Insurance in Washington

Scroll for more

Horizontal swipe icon
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.


These rates are for a policy meeting Washington’s minimum car insurance requirements or a full coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. As average insurance costs can differ widely between providers, it’s advisable to compare at least three insurers' prices to find the best deals.

If price isn't your number one priority when it comes to car insurance, we recommend checking out the top car insurance companies in Washington.

Key Takeaways

money icon

You need to pay about $25 to have an SR-22 form filed.

bond icon

A severe violation like a hit-and-run can increase SR-22 insurance rates considerably.

accident2 icon

Convicted drivers lose good driver discounts, making the average rate of their SR-22 coverage even more expensive than standard coverage.

What Is SR-22 Insurance in Washington? Who Needs It? How Do You Get It?

SR-22 insurance is not a typical car insurance policy. An SR-22 is a form filed by insurers with the government to prove that the convicted driver’s auto insurance meets the state’s minimum liability coverage standards. Some providers may decide not to provide you coverage if you need an S2-22 since you’re considered “high risk.” Keep in mind that SR-22 insurance after a DUI offense from any provider will be costly.

mglogo icon

SR-22 form filing proves to the Washington government that the convicted driver meets the state’s minimum auto insurance requirements. These requirements include:

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

Read more with MoneyGeek's Washington car insurance resources or estimate rates with our Washington car insurance calculator.

Who Needs SR-22 Insurance in Washington? And for How Long Do They Need It?

Each state has its own list of violations for which SR-22 insurance form filing is needed. In Washington, SR-22 coverage is required if you commit one of the following traffic offenses:

  • Driving with a suspended license
  • Driving without insurance coverage
  • Reckless driving
  • DUI

Drivers who commit a minor offense generally don’t need an SR-22. To find cheap insurance after a ticket or accident, shop around and compare prices. Fortunately, after a minor offense, insurance premiums won't be as high as premiums associated with SR-22 coverage.

The seriousness of the traffic violation dictates how long you need SR-22 insurance in Washington. The period is three years for most convictions. If a driver’s license has been revoked for an offense, the three-year period starts after the license is restored.

How Do You Get SR-22 Insurance in Washington?

A convicted driver’s car insurance company files an SR-22 form on their behalf. However, some insurers may deem the offense “high risk” and decline to provide this service. Once a driver does receive SR-22 coverage, they will have to pay much higher rates than before their conviction.

Non-Owner SR-22 Insurance in Washington

Drivers in Washington who do not own a car but wish to purchase affordable car insurance should purchase non-owner SR-22 insurance. This type of insurance is meant for individuals who regularly use rented cars or borrow cars from friends and family. If you have a major traffic violation on your driving record, such as a DUI or at-fault accident, and your license gets suspended, filing an SR-22 can help you to get your driving privileges back. SR-22 insurance costs are often less than the cost of car insurance paid by car owners.

In Washington, the cost of non-owner SR-22 car insurance is $1,155 per year on average. Progressive offers the cheapest non-owner insurance coverage in the state, with an average cost of $452 per year. State Farm comes second with a cost of roughly $459 per year.

The Average Cost of Non-Owner SR-22 Car Insurance in Washington

Scroll for more

Horizontal swipe icon

MoneyGeek analyzed non-owner SR-22 insurance rates in Washington using the rates of drivers with a DUI on their violations list. In this scenario, the policies cover $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Washington

To help you find cheap SR-22 insurance in Washington, MoneyGeek answered commonly asked questions about prices, the form filing process and the best providers to shop with.

Read More About Car Insurance


MoneyGeek analyzed insurance premiums from 11 of the top insurance companies in Washington that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Washington. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.