Updated: February 20, 2025
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Progressive offers the most affordable minimum coverage at $662 annually ($55 monthly). It also offers the cheapest full coverage with an average rate of $1,621 annually ($135 monthly).
State Farm is the best cheap car insurance company for drivers who must file an SR-22. It has a MoneyGeek score of 90 out of 100.
Drivers who need SR-22 pay an average of $1,051 per year for minimum coverage and $2,263 per year for full coverage.
Progressive offers the cheapest SR-22 insurance for most drivers, with minimum coverage averaging $662 per year. This rate reflects national averages for minimum state-required insurance for drivers with a DUI. However, actual costs vary based on location and driving history.
Progressive is a leading option for drivers needing SR-22 insurance, offering affordable rates. Minimum coverage averages $662 per year, while full coverage costs $1,621 for drivers aged 30 to 59. Along with competitive pricing, Progressive provides diverse coverage options, including liability, comprehensive, collision, roadside assistance, pet coverage and gap insurance.
Discounts offered:
Progressive’s average SR-22 minimum coverage rate of $662 is based on a 40-year-old male driver, but actual costs vary by age and coverage level. It offers the lowest rate for drivers aged 22 to 29 at $747 and those 60+ at $716 annually.
Use the filters below to find the cheapest SR-22 minimum coverage rates based on your age group and coverage needs.
| 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 |
Progressive offers the cheapest full coverage SR-22 insurance for most drivers, with an average annual rate of $1,925 for those aged 22 to 29 and $1,621 for those aged 30 to 59. For drivers 60 and older, State Farm is the most affordable option at $1,507.
| 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 |
Progressive handles SR-22 filings for under $30. Maintain this coverage for as long as your state requires. A lapse could result in the DMV (Department of Motor Vehicles) revoking your driving privileges.
SR-22 insurance costs vary widely by location. Delaware and North Carolina have the highest minimum coverage rates at $859 and $828 per year, while Iowa ($188) and Montana ($151) are the cheapest.
Insurers assess DUIs and other violations differently, so the most affordable national provider may not be the cheapest in your state. Select your state below to find the best minimum or full coverage rates.
| Alabama | State Farm | $392 | $33 |
| Alaska | Umialik | $458 | $38 |
| Arizona | Root | $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 | $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 | $256 | $21 |
| Nevada | State Farm | $796 | $66 |
| New Hampshire | Hanover | $283 | $24 |
| New Jersey | Plymouth Rock | $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 | $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 |
State Farm is the best car insurance company for balancing affordability and quality service. Its minimum and full coverage policies have a MoneyGeek score of 90 out of 100.
State Farm is a solid option for SR-22 insurance, offering reliable customer service, competitive rates and essential coverage. While SR-22 filings can raise premiums, State Farm remains affordable, with an average annual cost of $782 or $65 monthly.
Discounts offered:
State Farm is the highest-rated SR-22 insurance provider, with a MoneyGeek score of 90 out of 100 and an annual premium of $782. It stands out for its strong balance of affordability and customer service.
The table below compares top providers to help you find the best SR-22 insurance based on your age and preferred coverage level.
| 90 | State Farm | $782 | $65 |
| 70 | Travelers | $917 | $76 |
| 67 | Nationwide | $1,208 | $101 |
| 62 | Progressive | $662 | $55 |
| 57 | Farmers | $980 | $82 |
| 52 | Allstate | $1,167 | $97 |
| 45 | GEICO | $1,410 | $117 |
SR-22 insurance can be costly, but you can lower expenses by comparing quotes from insurers that file SR-22 forms. Start by identifying these providers and evaluating multiple options to find affordable coverage that meets your state’s requirements.
Getting SR-22 insurance at the lowest cost involves choosing the right provider and maintaining continuous coverage. If your current insurer offers SR-22 filings, request it after paying a small fee, typically under $30. If not, you’ll need to switch to an insurer that does.
Follow these steps to find the most affordable option:
Contact your current insurer to check if it handles SR-22 filings. If it does, request the form and ask about any fees. If it doesn’t, find an insurer that does.
Not all companies insure high-risk drivers, and rates vary widely. Compare quotes from multiple providers specializing in SR-22 insurance to find the lowest rate. Some insurers offer discounts or better rates for high-risk drivers.
Once you choose an insurer, buy a policy that meets your state’s minimum coverage requirements. If you already have coverage, your insurer may allow you to add an SR-22 to your existing policy. Consider selecting a higher deductible to lower your premium.
Your insurer will submit the SR-22 form to your state for a one-time fee, typically under $30. Some states may also require license reinstatement or processing fees, so check with your local DMV to understand the full cost.
Most states require an SR-22 for three years, though this can vary. If your policy lapses, your insurer will notify the state, which could lead to license suspension or other penalties. Set up automatic payments or renewal reminders to avoid interruptions.
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.
SR-22 insurance can be costly, but you can lower your premiums with the right strategies. Although insurers may offer fewer discounts to high-risk drivers, you can save by exploring these cost-cutting tips.
Completing a state-approved defensive driving or DUI education course can qualify you for discounts with some insurers.
Combining your auto insurance with renters or homeowners insurance can lower premiums.
Paying your premium upfront instead of in monthly installments can reduce your total cost.
Enrolling in a telematics program that tracks safe driving habits may help lower your rates.
The average annual cost of car insurance with an SR-22 is $1,051 for minimum coverage and $2,263 for full coverage. Compared to those with standard policies, drivers who must file SR-22 will pay $458 more per year for minimum coverage and $977 more for full coverage.
| 100/300/100 Full Cov. w/$1,000 Ded. | $2,263 | $1,286 |
| State Minimum Liability Only | $1,051 | $593 |
These rates exclude the SR-22 filing fee, which varies by state but typically costs around $25. You might also incur additional fees to reinstate your license and registration.
To offset the cost of insuring a high-risk driver, stick to your state’s minimum car insurance requirements to find the cheapest minimum coverage policy.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Feb 21, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 | |
| 2 |  GEICO | 82 /of 100 | $109 | |
| 3 | 83 /of 100 | $118 | ||
| 4 | 83 /of 100 | $129 | ||
| 5 | 79 /of 100 | $133 | ||
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
If you must file an SR-22, check if your insurer will file the form on your behalf. Below is a list of major insurance companies that offer SR-22 filing:
Company | Average Annual Rate |
|---|---|
$1,095 | |
$917 | |
$1,378 | |
$1,112 | |
$655 | |
$757 | |
$860 |
To find the cheapest SR-22 insurance, compare quotes from at least three insurers. MoneyGeek's car insurance calculator offers an instant, anonymous cost breakdown, helping you identify which companies to consider.
SR-22 insurance isn’t a type of coverage but a certificate proving you meet your state’s minimum insurance requirements. Your insurer files it with the state, typically to help reinstate your license. While the SR-22 itself doesn’t raise your rates, it’s often tied to violations that do.
Drivers usually need an SR-22 after serious traffic offenses. Requirements vary by state. For example, Virginia and Florida require an FR-44 instead of an SR-22 for DUI convictions.
The following traffic offenses often lead to an SR-22 filing requirement:
If you have unpaid child support, some states may require you to file an SR-22 as proof of financial responsibility.
If you don't own a vehicle but need an SR-22, consider non-owner car insurance, which is usually more affordable than standard policies and meets insurance requirements.
Most drivers must carry an SR-22 for three years, though the duration can range from one to five years depending on state rules and the violation’s severity. Maintaining active car insurance during this time is crucial, as the SR-22 is valid only with continuous coverage. If your policy lapses or is canceled, your insurer will notify the state, which could lead to a suspended license.
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
Drivers caught driving without insurance or a license or who have committed serious traffic violations must file an SR-22 to prove they have the required coverage. An SR-22 typically increases rates, but you can still find affordable options.
Below are frequently asked questions about SR-22 filings and insurance providers:
Progressive is the cheapest insurance company for drivers with an SR-22, with an average annual rate minimum coverage of $662.
The average car insurance cost with an SR-22 is $1,051 per year for minimum coverage and $2,263 for full coverage.
State Farm offers the best cheap SR-22 car insurance, averaging $782 annually.
You usually need an SR-22 for three years, though the duration can range from one to five years based on your state and the severity of the violation.
An SR-22 or FR-44 filing may be required for offenses like DUI, DWI, OWI, multiple or serious traffic violations, driving without insurance, causing an accident without coverage or unpaid child support.
Study Overview
MoneyGeek analyzed car insurance premiums using data from Quadrant Information Services to identify the cheapest insurers for drivers requiring an SR-22 due to a DUI. The study focuses on national and state-specific rates for these drivers.
Data Acquisition, Depth, and Analysis
We collected data from Quadrant Information Services and state insurance departments, totaling over 529,578 quotes from 67 insurers across all 50 states and 897 ZIP codes. Our analysis used a driver profile with a DUI to identify the most affordable providers.
MoneyGeek used evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) to rank insurers. Rankings were weighted as follows:
Driver Profile
Our sample driver profile includes:
We modified this profile for different ages and locations to reflect state-specific data.
Coverage and Deductibles Explained
When referencing minimum coverage, we mean the state’s liability-only requirement. Full coverage refers to the enhanced policy described above unless noted otherwise.
100/300/100 is an industry-standard for:
In total, MoneyGeek gathered quotes for the following policies:
Learn more about MoneyGeek’s car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
