For those needing SR-22 motorcycle insurance due to a DUI, Progressive offers the lowest overall rates nationwide at annual rates of $120 for minimum coverage and $540 for full coverage. We also recommend comparing rates with Shelter Insurance, Geico, Dairyland and Harley Davidson.
SR-22 Motorcycle Insurance
Updated: June 5, 2026
Advertising & Editorial Disclosure
Key Takeaways
The best cheap SR-22 motorcycle insurance is offered by Progressive who has average monthly rates of $10 for minimum coverage and $45 for full coverage.
SR-22 motorcycle insurance costs an average of $240 per year for minimum coverage and $958 for full coverage.
Comparing motorcycle insurance quotes, taking advantage of discounts and deciding on a coverage before
Cheapest SR-22 Motorcycle Insurance Companies
Cheapest Provider | Average Monthly Minimum Coverage Premium | Average Monthly Full Coverage Premium |
|---|---|---|
Progressive | $10 | $45 |
Shelter Insurance | $6 | $55 |
Geico | $22 | $87 |
Dairyland | $22 | $87 |
Harley Davidson | $32 | $91 |
*Rates are for a 40-year-old rider with a DUI that is insuring a 2023 Honda CRF450RL.
Cheapest SR-22 Motorcycle Insurance by State
The most affordable SR-22 motorcycle insurance varies by state. The table below shows the lowest rates and cheapest companies for each state.
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Progressive | $8 |
Alaska | Progressive | $8 |
Arizona | Progressive | $8 |
Arkansas | Shelter Insurance | $7 |
California | Dairyland | $15 |
Colorado | Shelter Insurance | $4 |
Connecticut | Progressive | $15 |
Delaware | Dairyland | $22 |
Florida | Progressive | $8 |
Georgia | Progressive | $8 |
Hawaii | Progressive | $11 |
Idaho | Progressive | $8 |
Illinois | Progressive | $13 |
Indiana | Shelter Insurance | $4 |
Iowa | Shelter Insurance | $3 |
Kansas | Progressive | $8 |
Kentucky | Shelter Insurance | $5 |
Louisiana | Progressive | $9 |
Maine | Progressive | $13 |
Maryland | Progressive | $11 |
Massachusetts | Progressive | $8 |
Michigan | Progressive | $18 |
Minnesota | Progressive | $8 |
Mississippi | Shelter Insurance | $5 |
Missouri | Shelter Insurance | $6 |
Montana | Progressive | $8 |
Nebraska | Shelter Insurance | $4 |
Nevada | Progressive | $8 |
New Hampshire | Progressive | $12 |
New Jersey | Progressive | $11 |
New Mexico | Progressive | $8 |
New York | Progressive | $8 |
North Carolina | Dairyland | $10 |
North Dakota | Progressive | $8 |
Ohio | Shelter Insurance | $4 |
Oklahoma | Shelter Insurance | $6 |
Oregon | Progressive | $11 |
Pennsylvania | Progressive | $8 |
Rhode Island | Progressive | $8 |
South Carolina | Progressive | $8 |
South Dakota | Progressive | $8 |
Tennessee | Shelter Insurance | $3 |
Texas | Progressive | $9 |
Utah | Progressive | $8 |
Vermont | Progressive | $8 |
Virginia | Progressive | $14 |
Washington | Progressive | $8 |
Washington D.C. | Progressive | $14 |
West Virginia | Progressive | $11 |
Wisconsin | Progressive | $8 |
Wyoming | Progressive | $8 |
*Our rates presented are based on a 40-year-old rider with a DUI who is insuring a 2023 Honda CRF450RL.
How Much Does SR-22 Motorcycle Insurance Cost?
You can expect SR-22 insurance to cost around $18 per month for minimum coverage and $80 monthly for full coverage. However, depending on your particular profile, rates can be as low as $11 to as high as $145 per month.
Coverage Type | Average Monthly Premium | Average Annual Premium |
|---|---|---|
Minimum Liability Coverage | $18 | $218 |
Full Coverage | $80 | $958 |
SR22 Motorcycle Insurance Cost By State
Below we've summarized SR-22 motorcycle insurance rates on average by state for most riders.
State | Average Annual Minimum Coverage Rate | Average Annual Full Coverage Rate |
|---|---|---|
Alabama | $140 | $666 |
Alaska | $138 | $386 |
Arizona | $334 | $1,735 |
Arkansas | $206 | $1,102 |
California | $511 | $1,352 |
Colorado | $182 | $928 |
Connecticut | $310 | $1,071 |
Delaware | $486 | $960 |
Florida | $232 | $1,123 |
Georgia | $217 | $1,237 |
Hawaii | $201 | $748 |
Idaho | $172 | $456 |
Illinois | $314 | $1,476 |
Indiana | $188 | $1,192 |
Iowa | $142 | $574 |
Kansas | $207 | $760 |
Kentucky | $207 | $910 |
Louisiana | $230 | $1,559 |
Maine | $239 | $487 |
Maryland | $314 | $1,038 |
Massachusetts | $409 | $1,642 |
Michigan | $408 | $1,561 |
Minnesota | $174 | $738 |
Mississippi | $168 | $1,071 |
Missouri | $277 | $1,022 |
Montana | $146 | $278 |
Nebraska | $190 | $595 |
Nevada | $323 | $1,400 |
New Hampshire | $314 | $901 |
New Jersey | $314 | $1,152 |
New Mexico | $272 | $1,160 |
New York | $209 | $630 |
North Carolina | $147 | $610 |
North Dakota | $166 | $352 |
Ohio | $127 | $759 |
Oklahoma | $187 | $888 |
Oregon | $322 | $1,353 |
Pennsylvania | $169 | $1,012 |
Rhode Island | $209 | $729 |
South Carolina | $253 | $907 |
South Dakota | $163 | $505 |
Tennessee | $217 | $1,001 |
Texas | $191 | $1,423 |
Utah | $296 | $1,065 |
Vermont | $176 | $408 |
Virginia | $508 | $1,176 |
Washington | $156 | $603 |
Washington D.C. | $344 | $1,471 |
West Virginia | $177 | $586 |
Wisconsin | $184 | $609 |
Wyoming | $167 | $513 |
How to Get Cheap Motorcycle Insurance
There are several steps to follow when deciding which SR-22 motorcycle insurance coverage is right for you, including:
- 1Decide How Much Coverage You Need
Determining what motorcycle insurance you need will allow you to compare with confidence and avoid being oversold by agents. Consulting with an independent insurance agent will also give you valuable perspective on factors you should consider when making this decision.
- 2Research Costs and Discounts
You should research average motorcycle insurance rates for your profile to get a gauge on whether a provider is cheap or not when you compare quotes. Also, taking advantage of common discounts like a pay in full or motorcycle license reduction will save you as much as possible on your policy.
- 3Choose Minimum Liability Coverage
SR-22 motorcycle insurance is often very expensive, so if you can tolerate the risk, we recommend choosing a minimum liability only policy. Compared to full coverage, you can save up to 77% on average.
- 4Compare Quotes
Comparing quotes from multiple insurers apples to apples is necessary to secure competitive motorcycle coverage rates. However, the most affordable policy isn't necessarily the right choice, so prioritize value by selecting coverage that balances cost with your actual protection needs.
Motorcycle Insurance With SR-22: Bottom Line
Overall, Progressive, Shelter Insurance and Geico are our top 3 cheapest SR-22 motorcycle insurers in the nation. Even so, you should compare around for yourself to find the best motorcycle insurance rates and the best company possible.
SR-22 Insurance Motorcycle: FAQ
Below, we've answered some frequently asked questions regarding SR-22 motorcycle insurance:
Who has the cheapest SR-22 motorcycle insurance overall?
According to our research, Progressive has the lowest overall motorcycle SR-22 insurance rates with pricing as low as $8 per month or $93 per year.
How much is SR-22 motorcycle insurance?
Nationally full coverage SR-22 motorcycle insurance costs around $958 per year or around $80 per month while minimum coverage costs $218 annually and $18 monthly.
How We Chose the Cheapest SR-22 Motorcycle Insurers
We compiled online quotes from the top motorcycle insurance providers to help you get the cheapest motorcycle insurance and gathered quotes for all 50 states for a 40-year-old driver with a DUI insuring a 2023 CRF450RL. MoneyGeek represented full coverage policies with a 100/300/50 liability split with a $1,000 deductible for comprehensive and collision insurance and minimum SR-22 requirements for minimum coverage rates.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.