Cheapest SR-22 Car Insurance in Washington

PEMCO offers the cheapest SR-22 insurance in Washington at $27 per month for minimum coverage, 68% lower than the state average of $85. It's also the most affordable for full coverage at $81.

State Farm offers the cheapest non-owner SR-22 insurance in Washington at $39 monthly or $473 annually. Non-owner insurance helps drivers meet state minimum coverage requirements without owning a car.

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Washington for drivers with an SR-22 is $1,015 annually for minimum coverage, 48% more than the $688 paid by those with clean records.

Full coverage for SR-22 drivers costs about $2,063 per year, compared to $1,347 for clean-record drivers — a 53% increase.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the violation. Use the table below to compare the price of SR-22 insurance for common violations across age groups in Washington.

An SR-22 is a form that proves you meet the state's minimum coverage requirements. Washington drivers with certain violations must file an SR-22 to reinstate their license. Insurers consider these drivers high-risk, leading to higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for insurance. It’s a certification from your insurer to state officials confirming you have enough coverage to meet Washington's Financial Responsibility law for license reinstatement.

Washington requires an SR-22 for three years after serious traffic violations. This form confirms you have the state's minimum coverage. To comply with these laws, ensure you carry these liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

In Washington, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Washington's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Washington during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your coverage throughout the SR-22 period. If you lack coverage, get an SR-22 insurance quote. Finding insurance with an SR-22 can be tough, as insurers might cancel or deny coverage when you file.

High-risk drivers in Washington might have fewer companies offering coverage, leading to higher premiums and limited options. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers frequent drivers who don’t own a vehicle. It provides financial protection when driving someone else’s car, making it ideal for renters or rideshare drivers. The policy covers third-party injuries or property damage in accidents and is often more affordable than standard insurance.

Compare quotes from different insurers to find the best rates. Once you purchase a policy, your insurer can file an SR-22 form to meet state requirements and help reinstate your license after three years.

In Washington, severe driving offenses require an SR-22 to prove meeting state minimum coverage requirements. This form is mandatory for three years for serious or repeated violations. While SR-22 insurance is more expensive, you can still find cheap car insurance providers in Washington.

Below are frequently asked questions about SR-22 certifications in Washington:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Washington drivers with various profiles and needs.

Washington Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

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
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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

Learn more about MoneyGeek's car insurance methodology.