American Family provides the cheapest SR-22 insurance in Washington at $116 monthly for minimum coverage and $180 for full coverage, about 28% lower than the state average. Keep in mind these rates apply to 40-year-old drivers with a DUI. Progressive, State Farm, Travelers and Farmers might offer better rates for your specific situation.
Cheapest SR-22 Car Insurance in Washington
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Progressive provides the most affordable SR-22 insurance in Washington for minimum coverage, with rates averaging $109 per month or $1,314 per year.
In Washington, drivers filing an SR-22 pay average car insurance costs of $133 monthly for minimum coverage and $263 per month for full coverage.
Washington requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $10,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Washington
| Progressive | $109 | $199 | -25% |
| American Family | $116 | $180 | -28% |
| State Farm | $118 | $213 | -20% |
| Travelers | $120 | $220 | -17% |
| Farmers | $127 | $225 | -15% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Washington by Category
State Farm leads the SR-22 insurance market, winning in four out of seven categories we analyzed. American Family offers the best rates for most drivers and young drivers with suspensions, while GEICO provides the most affordable coverage for drivers with other violations.
| Most Drivers Needing a SR-22 | American Family | $116 | $180 |
| Young Drivers With a Suspension | American Family | $120 | $191 |
| Senior Drivers With a Suspension | State Farm | $109 | $196 |
| Drivers With Multiple Speeding Tickets | State Farm | $97 | $184 |
| Drivers With Racing Violation | State Farm | $95 | $183 |
| Drivers With Hit-And-Run Accident | State Farm | $116 | $211 |
| Drivers With Other Violations | GEICO | $84 | $166 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Washington
Our analysis shows the cheapest insurance providers vary based on your personal factors. The table below lists the five most affordable providers based on your age, gender, coverage needs, credit score and driving history to help you find the best rates.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Travelers | $283 | $3,391 | -34% |
| Allstate | $307 | $3,678 | -29% |
| State Farm | $366 | $4,396 | -15% |
| Nationwide | $392 | $4,709 | -9% |
| GEICO | $429 | $5,146 | 0% |
Cheapest SR-22 Car Insurance in Washington by City
Farmers offers the most affordable SR-22 car insurance in Washington, with rates starting at $63 per month in Brewster. American Family provides competitive rates in several other cities across Washington, while Progressive offers the best rates in the Seattle metro area. Your actual premium will vary based on your location and driving history.
| Bellevue | American Family | $118 |
| Bothell | American Family | $110 |
| Brewster | Farmers | $63 |
| Everett | American Family | $111 |
| Kent | Progressive | $119 |
| Renton | Progressive | $118 |
| Seattle | Progressive | $112 |
| Snohomish | American Family | $96 |
| Spokane | American Family | $91 |
| Tacoma | American Family | $118 |
| Vancouver | American Family | $110 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Washington
Progressive ranks as the best car insurance provider for SR-22 filing because it offers the strongest balance of affordable rates, good customer service and useful coverage options, earning it the highest overall MoneyGeek score. However, you should also consider Travelers, American Family, State Farm and Farmers in your search.
| Progressive | 4.84 | 2 | 2 | 2 |
| Travelers | 4.78 | 4 | 1 | 4 |
| American Family | 4.67 | 1 | 5 | 6 |
| State Farm | 4.58 | 3 | 3 | 6 |
| Farmers | 4.58 | 5 | 10 | 1 |
Progressive
Best Overall for SR-22 Insurance in Washington
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
4.6/5Customer Experience
4.9/5Coverage Options
Average Monthly Full Coverage Cost
$198For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$109For minimum state coverage for drivers filing an SR-22Best For
Coverage Options
How Much Is SR-22 Car Insurance in Washington?
SR-22 car insurance in Washington costs $1,599 annually for minimum coverage and $3,154 per year for full coverage policies. Washington ranks as the 18th most affordable for minimum coverage and 19th for full coverage nationwide. Monthly rates can range from $86 to $603 depending on your driving profile.
| Minimum Coverage | $133 | $1,599 | -24% |
| Full Coverage | $263 | $3,154 | -21% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Washington City
According to MoneyGeek's analysis, Brewster offers the lowest SR-22 insurance rates in Washington at $83 monthly, while Tacoma has the highest premiums at $151 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Bellevue | $135 | $1,618 |
| Bothell | $136 | $1,637 |
| Brewster | $83 | $997 |
| Everett | $133 | $1,599 |
| Kent | $149 | $1,791 |
| Renton | $145 | $1,738 |
| Seattle | $140 | $1,682 |
| Snohomish | $125 | $1,504 |
| Spokane | $110 | $1,323 |
| Tacoma | $151 | $1,814 |
| Vancouver | $127 | $1,519 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Washington SR-22 Insurance Requirements
To comply with Washington laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $10,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. It can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
For the most comprehensive coverage, Washington drivers can choose an SR-22 Operators-Owner Certificate. This joint filing combines traditional and non-owner policies, ensuring you're covered whether driving your own vehicle or someone else's. This option proves particularly useful for those who both own a car and regularly operate other vehicles.
Other Washington SR-22 Insurance Laws and Regulations
While SR-22 certification meets Washington's basic insurance requirements, drivers must also comply with several additional state regulations and coverage rules.
- First offense: requires three years of SR-22 coverage
- Second offense within five years: leads to a four-year suspension with continued SR-22 requirement
- Third offense within five years: results in a five-year suspension with ongoing SR-22 requirement.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Washington range from $15 to $25, while license reinstatement fees run from $75 to $150 based on violation type. Washington offers payment plans for fees exceeding $100, making costs more manageable for drivers.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Washington Department of Licensing immediately. Your license will be suspended again until you file a new SR-22 and satisfy all reinstatement requirements.
SR-22 Requirement Duration
SR-22 requirements typically last three years in Washington, but can extend to 5 years for serious violations involving injuries, death, or major property damage. For non-driving-related suspensions:
SR-22 Filing Process
To file an SR-22 in Washington, contact an insurance company licensed in the state and purchase a policy meeting Washington's minimum requirements. The insurance company files the SR-22 electronically with the Department of Licensing, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Washington drivers can find cover through the Washington Automobile Insurance Plan (WAIP). This program helps drivers who have been denied coverage by matching them with participating insurance companies.
Cheap SR-22 Insurance in Washington: Bottom Line
In Washington, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three years from the conviction date, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Washington: FAQ
Below are frequently asked questions about SR-22 certifications in Washington:
What are the cheapest SR-22 car insurance options in Washington?
Progressive provides Washington's cheapest SR-22 car insurance at $109 per month for minimum coverage. American Family and State Farm follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Washington?
Filing an SR-22 increases car insurance rates in Washington by 24% compared to drivers with clean records.
How long do you need to have an SR-22 in Washington?
In Washington, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Washington
MoneyGeek analyzed hundreds of thousands of quotes across Washington to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Washington SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Washington's minimum coverage requirements, with the following limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $10,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
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.