Chubb offers the cheapest SR-22 insurance in Washington, D.C., at $64 monthly for minimum coverage, 35% less than the state average of $99. Progressive is the most affordable for full coverage at $122.
Cheapest SR-22 Car Insurance in Washington, D.C.
Updated: March 3, 2025
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Cheap Washington, D.C. SR-22 Insurance: Key Takeaways
GEICO provides the district's most affordable non-owner SR-22 insurance at $34 monthly.
The average monthly cost of SR-22 insurance is $99 for minimum coverage and $201 for full coverage.
Washington, D.C. requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage, among other requirements.
Cheapest SR-22 Car Insurance in Washington, D.C.
| Chubb | $64 | $248 |
| Progressive | $69 | $122 |
| Erie | $77 | $147 |
| State Farm | $80 | $176 |
| GEICO | $125 | $233 |
| Nationwide | $139 | $235 |
| Allstate | $142 | $243 |
Cheapest Non-Owner SR-22 Insurance in Washington, D.C.
GEICO offers the cheapest non-owner SR-22 insurance in Washington, D.C., at $34 monthly or $404 annually. Non-owner insurance is a good option for those who need to meet state minimum coverage requirements without owning a car. Below is a table showing providers and their average costs for minimum coverage.
| GEICO | $404 | $34 |
| State Farm | $540 | $45 |
| Progressive | $894 | $74 |
| Nationwide | $1,198 | $100 |
How Much Is SR-22 Insurance in Washington, D.C.?
Drivers with an SR-22 pay an average of $1,193 annually for minimum coverage — 41% more than the $845 average cost of car insurance in Washington, D.C., for those with clean records.
SR-22 drivers pay around $2,409 per year for full coverage, while clean-record drivers pay about $1,679, making SR-22 coverage 43% more expensive.
| Full Coverage | $201 | $2,409 |
| Minimum Coverage | $99 | $1,193 |
SR-22 FILING FEE IN WASHINGTON, D.C.
Drivers needing an SR-22 in Washington, D.C., face a filing fee between $15 and $25. This cost is on top of the minimum coverage premium.
Average Cost of SR-22 Car Insurance in Washington, D.C., by Violation
Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the type of violation on your driving record. The table below compares SR-22 insurance prices for common violations across age groups in the nation's capital.
Data filtered by:Results filtered by:
Select
Driving Record:At-fault Accident
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Age Group:30-59
| Full Coverage | $2,111 | $176 |
| Minimum Coverage | $1,065 | $89 |
What Is SR-22 Insurance in Washington, D.C.?
An SR-22 form proves you have the required minimum car insurance in the district. If you've had certain violations, you must file it to get your license back. Insurers see this as high-risk, which raises premiums.
Washington, D.C., SR-22 Car Insurance Laws
An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to show state officials you have enough liability insurance, ensuring you meet the reinstatement requirements of the Washington, D.C., Financial Responsibility law.
Washington, D.C., SR-22 Requirements
After serious traffic violations, an SR-22 is mandatory for one to three years. This form certifies that you meet the minimum coverage requirements. To comply with SR-22 laws, carry these state minimums:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $5,000 uninsured/underinsured property damage per accident
Why Do I Need SR-22 Insurance in Washington, D.C.?
Washington, D.C., requires an SR-22 for drivers with serious offenses to keep or reinstate their license. Courts typically require drivers to file an SR-22 after committing the following violations:
Serious traffic offenses
Drivers with serious traffic offenses may be considered high risk and need non-owner car insurance to meet legal requirements. An SR-22 form is often mandated to prove financial responsibility.
Repeat offenses
Drivers with repeat offenses may need non-owner insurance to reinstate or maintain their driving privileges. Filing an SR-22 form proves ongoing coverage to the district.
Driving without insurance
Driving without insurance can lead to the need for an SR-22 filing. Non-owner insurance allows these drivers to secure the necessary coverage affordably.
Driving with a revoked license
If a driver attempts to regain their license after a revocation, they may be required to file an SR-22. Non-owner insurance is a cost-effective solution to fulfill this requirement.
Failure to pay child support
Nonpayment of child support can result in a suspended license. The district may require an SR-22 to reinstate it, which can be satisfied through non-owner car insurance.
How Long Do I Need an SR-22 in Washington, D.C.?
In Washington, D.C., SR-22 certificates are usually required for one to three years. The period can extend to five years for repeat offenses.
Washington, D.C., SR-22 Rules
SR-22 drivers in Washington, D.C., must follow specific rules in addition to maintaining compliance with minimum coverage laws for one to three years:
- Fees: To restore driving privileges, you must pay a reinstatement fee and provide proof of liability insurance with an SR-22.
- Policy cancellation: Filing an SR-22 may lead your insurer to cancel or not renew your policy, requiring you to find a new provider.
- Continuous coverage: You must maintain uninterrupted coverage for one to three years. Insurers will notify the state of any lapses, which could result in penalties or license suspension.
- Relocation: If you move out of state, contact your insurer to arrange an out-of-state SR-22 filing.
- Cancellation: After the SR-22 period, your insurer should notify Washington, D.C., officials that you’ve met the SR-22 requirement by filing a financial responsibility cancellation.
How to Get SR-22 Car Insurance in Washington, D.C.
Drivers in Washington, D.C., with serious violations, such as driving without a license or reckless driving, must file an SR-22. Not filing can lead to penalties, including license suspension. Here are the steps to file an SR-22:
- 1
Contact your insurer
Ask your insurance provider to file the SR-22. It's familiar with your policy and can seamlessly add the form to your coverage.
- 2
Confirm minimum coverage requirements
If you need an SR-22, ensure your policy meets the state’s minimum coverage requirements. Your insurer can help adjust your coverage to stay compliant.
- 3
Pay the SR-22 filing fee
Insurers typically charge a fee to file an SR-22 form with your insurance, ranging from $15 to $25.
- 4
Verify filing with your insurer
After you pay the fee, your insurer will file the SR-22 for you. Confirm that all fees are paid and that the form is completed correctly and on time.
- 5
Maintain your policy and check for notifications
To avoid penalties, keep your insurance active and coordinate with your insurer to confirm your SR-22 remains valid for three years.
WHAT TO DO IF NO ONE WILL INSURE YOU
High-risk drivers with violations on their records may need to look into nonstandard auto insurance. While this option usually costs more than standard policies, it provides essential coverage for those struggling to find insurance.
SR-22 Insurance Quotes in Washington, D.C.
To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tricky. Insurers might cancel or deny coverage when you file.
Tips for Cheap SR-22 Insurance in Washington, D.C.
High-risk drivers in Washington, D.C., might find fewer companies willing to cover them, leading to higher premiums and limited choices. If you're filing for the first time and getting an SR-22 insurance quote, check with your insurer for the exact fee. Use these tips to find cheaper SR-22 insurance:
Tip | Description |
|---|---|
Complete DUI classes or programs | Enrolling in state-approved DUI programs shows a commitment to safer driving, which some insurers reward with lower premiums. |
Look for discounts | Even after a DUI, you might still qualify for discounts. Check with your insurer about bundling policies or discounts for completing driving courses, installing safety features or paying in full and through electronic billing. |
Compare car insurance quotes | Since some insurers don't offer SR-22 insurance, premiums can be higher due to limited coverage options and increased risk. To find more affordable options, compare auto insurance quotes from multiple providers. |
Check for high-risk programs | Some insurance providers have programs for high-risk drivers, which can help you find better rates. |
Adjust your coverage | Adjust your coverage to match your needs and budget. Choosing a higher deductible or reducing optional coverages can lower your premiums. |
Consider non-owner SR-22 insurance | If you don’t own a vehicle, non-owner SR-22 insurance may be a more affordable way to meet state requirements. |
Non-Owner SR-22 Insurance in Washington, D.C.
Non-owner insurance covers people who drive often but don’t own a vehicle. It covers third-party injuries or property damage if you cause an accident while driving someone else’s car. This option is ideal for frequent renters or rideshare drivers.
Non-owner insurance is usually cheaper than standard policies. Comparing quotes can help you find the best rates. After purchasing a non-owner policy, your insurer can file an SR-22 to comply with state law. Once the three-year period ends, your license can be reinstated.
Cheap SR-22 Insurance in Washington, D.C.: Bottom Line
In Washington, D.C., drivers with severe offenses must get an SR-22 to prove they have state minimum coverage. For serious or repeated offenses, this form is needed for one to three years. SR-22 insurance costs more, but cheap car insurance providers in Washington, D.C., cater to these drivers.
SR-22 in Washington, D.C.: FAQ
Below are frequently asked questions about SR-22 certifications in Washington, D.C.:
What are the cheapest SR-22 car insurance options in Washington, D.C.?
Chubb offers the cheapest SR-22 car insurance in Washington, D.C., with an average monthly minimum coverage rate of $64. Other affordable options include Progressive and Erie.
How much does filing an SR-22 increase car insurance rates in Washington, D.C.?
Filing an SR-22 increases car insurance rates in Washington, D.C., by $29 per month. The average monthly minimum coverage rate for SR-22 drivers is $99, while drivers with clean records pay $70.
How long do you need to have an SR-22 in Washington, D.C.?
In Washington, D.C., you must maintain an SR-22 and continuous minimum coverage for one to three years. Any coverage lapse resets the SR-22 period and may result in additional fees or license suspension.
Best Cheap Washington, D.C., SR-22 Car Insurance: Review Methodology
MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers with various profiles and needs in Washington, D.C.
Washington, D.C., 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, D.C.'s minimum coverage requirements, with the following limits:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $10,000 for property damage liability per accident
For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — 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
Additionally, we included quotes for uninsured/underinsured motorist coverage with the following limits:
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $5,000 uninsured/underinsured property damage
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.