Updated: November 21, 2024
Advertising & Editorial Disclosure
Progressive offers the most affordable liability-only coverage at $662 yearly. State Farm is the second cheapest provider at $782 yearly.
SR-22 is not insurance itself. It's a certificate of financial responsibility your insurer files with the state that proves you have the required insurance coverage. Drivers typically need an SR-22 if they’re caught driving without insurance or a license or if they commit a DUI (driving under the influence) or other serious traffic violations.
Cheapestand BestSR-22 InsuranceCheapest and Best SR-22 Insurance
Why Trust MoneyGeek? We collected data from Quadrant Information Services using a sample driver profile with a DUI to analyze and discover the cheapest car insurance companies nationally and by state for those who have filed an SR-22.
These rates reflect the cheapest car insurance quotes nationally for drivers with an SR-22 certificate as of 2024.
While often referred to as “SR-22 insurance,” an SR-22 refers to a form an insurer files on your behalf to prove that you meet the state minimum coverage requirements.
You may need to file an SR-22 after severe driving violations or repeat offenses of minor violations.
Drivers with a suspended license may need an SR-22 for proof of insurance, and your best option would be to file non-owner SR-22 insurance.
The cost of SR-22 coverage will depend on the actual violation a driver incurred that resulted in the state requiring an SR-22. More severe offenses may result in a higher rate. A DUI conviction usually requires filing an SR-22; states like Florida and Virginia require an FR-44 instead.
The following companies offer the cheapest SR-22 filing by age range:
These rates represent averages for minimum coverage policy and don’t include the cost of filing an SR-22. The filing fee varies by state but is usually around $25. You may face additional fees to reinstate your license and registration.
Progressive Coverages and Discounts
Coverages include:
Discount options include:
| Progressive | $662 | $55 |
| State Farm | $782 | $65 |
| Travelers | $917 | $76 |
| Farmers | $980 | $82 |
| Allstate | $1,167 | $97 |
| Nationwide | $1,208 | $101 |
| GEICO | $1,410 | $117 |
These quotes are national averages for car insurance that meets only minimum state requirements for a driver with a DUI.
If you’re required to file an SR-22, double-check that your insurer is willing to file the form on your behalf. While most insurers will agree to file an SR-22 form for customers, not all companies are willing to insure drivers who require the form. To get the most accurate picture of the rates you qualify for, you should only compare insurance quotes across companies you know are willing to file for you.
A poor driving record significantly impacts the cost of insurance rates. MoneyGeek has the resources to help you find affordable car insurance that meets your needs.
For drivers with a DUI, Delaware and North Carolina are the most expensive states for minimum coverage, with annual premiums of $859 and $828, respectively. On the other hand, Iowa offers annual coverage at $188, while Montana has premiums at a slightly lower rate of $151 per year.
The cost of insurance heavily depends on your location, as rates vary significantly from state to state. Insurers also differ in assessing DUIs and other violations, meaning the cheapest national provider may not be the most affordable in your state. To discover the best rates for your specific situation, whether for minimum or full coverage, select your state below and review the available options.
| Alabama | State Farm | $392 | $33 |
| Alaska | Umialik Insurance | $458 | $38 |
| Arizona | Root Insurance Company | $504 | $42 |
| Arkansas | Hanover | $354 | $30 |
| California | CSAA | $448 | $37 |
| Colorado | Colorado Farm Bureau | $421 | $35 |
| Connecticut | State Farm | $821 | $68 |
| Delaware | Travelers | $859 | $72 |
| District of Columbia | Chubb | $773 | $64 |
| Florida | State Farm | $787 | $66 |
| Georgia | Country Financial | $756 | $63 |
| Hawaii | State Farm | $408 | $34 |
| Idaho | State Farm | $232 | $19 |
| Illinois | Mercury | $411 | $34 |
| Indiana | Progressive | $362 | $30 |
| Iowa | Progressive | $188 | $16 |
| Kansas | Progressive | $492 | $41 |
| Kentucky | State Farm | $628 | $52 |
| Louisiana | Louisiana Farm Bureau | $667 | $56 |
| Maine | Countryway Insurance | $356 | $30 |
| Maryland | State Farm | $706 | $59 |
| Massachusetts | Hanover | $389 | $32 |
| Michigan | Chubb | $640 | $53 |
| Minnesota | Western National | $510 | $43 |
| Mississippi | State Farm | $381 | $32 |
| Missouri | Progressive | $455 | $38 |
| Montana | State Farm | $151 | $13 |
| Nebraska | American National P&C | $256 | $21 |
| Nevada | State Farm | $796 | $66 |
| New Hampshire | Hanover | $283 | $24 |
| New Jersey | Plymouth Rock Assurance | $529 | $44 |
| New Mexico | Progressive | $396 | $33 |
| New York | Progressive | $768 | $64 |
| North Carolina | National General | $828 | $69 |
| North Dakota | State Farm | $332 | $28 |
| Ohio | American Family | $307 | $26 |
| Oklahoma | Progressive | $317 | $26 |
| Oregon | State Farm | $658 | $55 |
| Pennsylvania | Travelers | $424 | $35 |
| Rhode Island | State Farm | $508 | $42 |
| South Carolina | American National P&C | $431 | $36 |
| South Dakota | State Farm | $291 | $24 |
| Tennessee | Tennessee Farm Bureau | $428 | $36 |
| Texas | Mercury | $609 | $51 |
| Utah | Progressive | $547 | $46 |
| Vermont | State Farm | $236 | $20 |
| Virginia | Virginia Farm Bureau | $384 | $32 |
| Washington | State Farm | $483 | $40 |
| West Virginia | State Farm | $597 | $50 |
| Wisconsin | Western National | $274 | $23 |
| Wyoming | State Farm | $233 | $19 |
Costs are based on the average rates for a sample driver in a given state for a 100/300/100 full coverage policy with a $1,000 deductible or for a liability-only policy that meets a particular state's minimum car insurance coverage. In this scenario, the driver has a DUI on their record.
If you won't be driving soon but your state requires SR-22 insurance, you can avail of non-owner car insurance to meet this need.
The companies with the cheapest full coverage car insurance for drivers who need an SR-22 are:
Progressive will handle the SR-22 proof of insurance filing for you, usually for less than $30. Remember that it’s important to maintain this coverage for as long as your state requires. If you let it lapse, the DMV (Department of Motor Vehicles) will find out, and you might lose your driving privileges.
| Progressive | $1,621 | $135 |
| State Farm | $1,644 | $137 |
| Travelers | $1,890 | $157 |
| Farmers | $2,078 | $173 |
| Allstate | $2,188 | $182 |
| Nationwide | $2,273 | $189 |
| GEICO | $3,122 | $260 |
State Farm is the best car insurance company that balances affordability and quality service, with a MoneyGeek score of 80 out of 100 for both minimum and full coverage policies.
To get SR-22 car insurance from State Farm, buy a policy and tell the agent you need an SR-22 certificate. Big insurance companies like State Farm typically don't advertise SR-22 insurance, so you need to talk to an agent directly.
State Farm, with an average annual rate of $860, is the top choice for most drivers looking for the best car insurance after a DUI. Although not the most affordable option, the company received the highest overall rating, showing a good balance between customer service and cost.
Drivers seeking additional protection may choose from State Farm's different coverages, such as rideshare insurance, accident forgiveness, new car replacement and roadside assistance. Policyholders can also find savings opportunities to lower their premiums further.
State Farm Coverages and Discounts
Coverages include:
Discount options include:
| 80 | State Farm | $782 | $65 |
| 75 | Travelers | $917 | $76 |
| 74 | Nationwide | $1,208 | $101 |
| 73 | Progressive | $662 | $55 |
| 72 | Farmers | $980 | $82 |
| 70 | Allstate | $1,167 | $97 |
| 69 | GEICO | $1,410 | $117 |
An SR-22 is a form typically needed by drivers who've committed serious violations, like a DUI. It's a certificate your insurance company files to the state to prove you have insurance. If you have unpaid child support, some states may even require you to file an SR-22 as proof of financial responsibility.
Different states have different requirements. For example, while most states ask for an SR-22 after major violations, Virginia and Florida require an FR-44 for DUI convictions, necessitating extra insurance coverage. Consider a non-owner car insurance policy if you need an SR-22 but don't own a vehicle. These are usually more affordable than standard policies and fulfill insurance requirements.
SR-22 car insurance isn't a policy with coverage but a certificate showing you meet your state's minimum insurance requirements. Your insurer files it with the state, often as a step toward reinstating your license.
While "SR-22 full coverage" doesn't exist, you can get full coverage insurance and file an SR-22.
Typically, carrying an SR-22 is a three-year commitment. However, this can range from one to five years based on state regulations and the severity of the violation. Maintaining an active insurance policy during this time is important, as the SR-22 is only valid under these conditions. If your insurance lapses or is canceled, your insurer will notify the state, potentially resulting in a suspended license.
Remember, any time without coverage doesn't count toward your SR-22 requirement.
Fulfilling the specific time frame set by your state will lead to the removal of your SR-22 status. If you’ve maintained a clean record, it’s possible to see lower rates on your next car insurance quote.
On average, a policy with an SR-22 insurance costs:
Drivers who need to file SR-22 insurance will pay $478 more per year for state minimum coverage and $1,019 more per year for a full coverage policy.
Though the SR-22 itself doesn’t hike up your rates, it's often linked with offenses that do, like:
To offset the cost of insuring a high-risk driver, stick to your state’s minimum car insurance requirements to find the cheapest liability-only car insurance policy.
| 100/300/100 Full Cov. w/$1,000 Ded. | $2,263 | $1,286 |
| State Minimum Liability Only | $1,051 | $593 |
Major insurers seldom promote their SR-22 filing service, but most offer it. If you need an SR-22, contact your insurer's agent to file it for you, usually for a one-time fee. These companies will file an SR-22 on your behalf:
The best way to find the cheapest insurance with an SR-22 is to compare car insurance quotes from three different insurers. MoneyGeek's car insurance calculator can instantly and anonymously provide you with a breakdown of costs by different insurers to give you a head start on which companies to seek quotes from.
If your current insurer provides SR-22 insurance, call and request it to file the form after you pay a one-time fee, often below $30. If the provider doesn't offer it, you need to switch car insurance companies.
Start by contacting and checking with your current car insurance provider to determine if it can file an SR-22 certificate for you. Most carriers can file an SR-22 for you, so getting a certificate might only be a call away.
You or your insurance provider can fill out the SR-22 form. You need to provide information, including date of birth, mailing address, case number, driver's license, and Social Security number. Your insurer will already have the necessary information if you've been with it before needing to file the SR-22. If your insurer offers SR-22 filing, request it to file the form on your behalf. Typically, there is a one-time filing fee, generally under $30.
Once you've paid the fee, the insurer will file the SR-22 form with your state on your behalf. It may take a few weeks for the file to be processed with your state's Department of Insurance. Expect a copy of your SR-22 certificate from your insurer and a confirmation letter from your state.
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
MoneyGeek has answered the most common questions about SR-22 filings and insurance providers to simplify the process.
The cheapest insurance company for individuals with SR-22 insurance depends on individualized factors, such as where you live and your age. Nationally, the most affordable company is Progressive. It has an average annual rate of $662.
Ask the insurance provider if it offers monthly payments so you can get a low upfront cost through the no down payment scheme.
The average cost of insurance with an SR-22 is $1,051 per year for a minimum coverage policy and $2,263 per year for full coverage insurance. Annually, that’s an increase of $478 and $1,019, respectively, over the average cost of insurance for a driver with a clean driving record.
State Farm is the best insurance provider for minimum coverage and full coverage policies with an SR-22, costing an average annual rate of $782 and $1,064, respectively.
When looking for the best option, you need to consider which company offers affordable rates, has excellent customer service and is financially stable. MoneyGeek has company reviews to help you shop for car insurance.
The most common reasons an SR-22 or FR-44 may be required include the following:
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
