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Cheap SR-22 insurance

The cheapest SR-22 insurance is State Farm, which charges an average of ​​$138 per month to drivers who have to prove financial responsibility after a DUI.

Andrew Hurst


Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

Certified Financial Planner

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|7 min read

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When your license is suspended after a serious offense, like a DUI or for driving without insurance, your state may require you file an SR-22 form to prove financial responsibility by showing that you have a minimum amount of car insurance before you can get your license back. 

If you need an SR-22, you’ll pay more for car insurance. However, we found that even drivers who have to file an SR-22 can still get cheap rates from State Farm, which has the cheapest SR-22 insurance for drivers with a DUI on their records.

How we found the cheapest SR-22 insurance


We found the companies with the cheapest SR-22 insurance by calculating the premiums of drivers with one DUI — one of the most common reasons drivers are required to file an SR-22.

We analyzed public rate information from Quadrant Information Services for every ZIP code in all 50 states and the District of Columbia. These rates reflect the cost of a full-coverage policy with the following limits:

  • Bodily injury liability: $50,000 per person/$100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

Our sample driver was a 30-year-old male driver, driving a 2017 Toyota Camry LE driven 10,000 miles per year. Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Companies with cheap SR-22 insurance

The company with the cheapest SR-22 insurance is State Farm, which cost an average of $138 per month (or $1,652 per year) for drivers who need an SR-22 after a DUI. This is 45% cheaper than the average cost of SR-22 insurance.

While State Farm is the cheapest SR-22 insurance for most people, other cheap companies also have low average costs of SR-22 insurance. Erie, MAPFRE, and American Family all have cheap SR-22 insurance, though they aren’t available in every state.

Cheap SR-22 Insurance, updated - Image

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While Progressive isn’t the cheapest company for SR-22 insurance, we found that the company only increased rates by 25% for drivers who need an SR-22. On average, rates go up by 81% after an SR-22.

RankCompanyMonthly costAnnual cost
1State Farm$138$1,652
4American Family$174$2,083
7COUNTRY Financial$191$2,296
9Auto-Owners Insurance$202$2,428
10National General$213$2,559
12Farm Bureau$241$2,896

Rates are for a 30-year-old driver who files an SR-22 because of a DUI violation.

Cheapest SR-22 insurance: State Farm

State Farm


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How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

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Best and cheapest for SR-22 insurance

SR-22 insurance from State Farm costs 45% less than average, making it the best cheap company for drivers who have to prove financial responsibility.

On average, State Farm has the cheapest car insurance for drivers who have to file an SR-22. The cost of SR-22 insurance after a DUI from State Farm is $138 per month. This is $1,366 less per year than the national average — and $4,097 less over the 3-year period most people have to keep an SR-22 on their records.

Because needing an SR-22 can be stressful, having a highly-rated insurance company to help you through the process can be a huge advantage., State Farm is the best SR-22 insurance company not only because of its cheap rates, but also thanks to its national availability and high customer service satisfaction.

State Farm ranks above average for claims service in J.D. Power’s 2021 Claims Satisfaction Study. [1] It also receives far fewer complaints than typical, according to the National Association of Insurance Commissioners. [2]

CompanyJ.D. Power scoreNAIC Complaint Index
State Farm8920.71
American Family8890.22
Farm BureauNot rated0.08
COUNTRY FinancialNot rated0.14
MAPFRENot rated0.29
National GeneralNot rated5.39

State Farm maintains a high J.D. Power score while also having a low (less than 1.00) complaint rating. 

Cheapest SR-22 insurance in every state

We found that State Farm is the cheapest company in 32 of the states that may require drivers to carry an SR-22. Drivers may also find the cheapest coverage from American National, Wawanesa, GEICO, USAA, or Farm Bureau, depending on their location.

Depending on location, drivers could pay an average of $62 to $174 per month for insurance after an SR-22. The cheapest SR-22 insurance is in Vermont, where State Farm offers coverage for just $62 per month (or $739 per year).

StateCheapest companyMonthly cost
AlabamaState Farm$122
AlaskaState Farm$89
ArizonaState Farm$116
ArkansasState Farm$99
ColoradoAmerican National$107
ConnecticutState Farm$108
District of ColumbiaState Farm$146
FloridaState Farm$149
GeorgiaState Farm$129
HawaiiState Farm$90
IdahoState Farm$69
IllinoisState Farm$87
IndianaState Farm$89
IowaState Farm$65
KansasState Farm$104
LouisianaState Farm$159
MaineState Farm$71
MississippiState Farm$104
MissouriState Farm$99
MontanaState Farm$90
NebraskaState Farm$127
NevadaState Farm$109
New HampshireUSAA$98
North DakotaState Farm$100
OhioState Farm$70
OregonState Farm$78
South CarolinaAmerican National$89
South DakotaState Farm$103
TennesseeState Farm$69
TexasState Farm$156
UtahFarm Bureau$121
VermontState Farm$62
VirginiaState Farm$82
WashingtonState Farm$108
WisconsinState Farm$76
WyomingState Farm$112

Monthly rates for a 30-year-old driver who files an SR-22 because of a DUI violation.

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What does an SR-22 cost?

Our analysis found that SR-22 insurance after a DUI costs an average of $251 per month. SR-22 insurance is 82% more expensive than average for a driver with a clean record. Also, when your insurance company files an SR-22 on your behalf, you’ll have to pay a fee. Fees to file an SR-22 are usually at least $25 depending on where you live.

Michigan is the most expensive state for SR-22 insurance. Car insurance in Michigan costs $533 per month for drivers who have to carry an SR-22. The state where having an SR-22 increases what you pay for car insurance the most is Hawaii, where the cost of coverage increases by 253% after a serious violation.

StateSR-22 insurance costCost increase after SR-22
District of Columbia$25265%
New Hampshire$232118%
North Dakota$23392%
South Carolina$23845%
South Dakota$26489%

Monthly rates for a 30-year-old driver who files an SR-22 because of a DUI violation.

What is SR-22 insurance?

SR-22 insurance isn't actually a type of car insurance. Instead, an SR-22 is a form that you need in order to prove that you have insurance coverage. Depending on your state, you may need an SR-22 after your license is suspended. Some of the reasons you might need an SR-22 are::

  • A DUI/DWI citation

  • Serious moving violations

  • Driving without the required amount of car insurance

  • Multiple at-fault accidents

  • Getting too many points on your license

If your state requires you to carry an SR-22, you don't have to file it yourself. Instead, your insurance company will file an SR-22 for you and let your state's Department of Motor Vehicles or insurance office that you're covered. 

If you're unable to maintain insurance coverage while an SR-22 is on your record (like if you stop making your insurance payments), your license could be suspended again and you'll face other penalties. 

How does SR-22 insurance work?

While you have an SR-22, insurance works the same as it does for other drivers, except you need to let your existing or new insurance company know that you need an SR-22 when your updated or shopping for a policy. 

Another main difference is that with an SR-22, you're required to maintain your insurance coverage for a period of time that’s determined by your state. During this time, you have to file an SR-22 every year to show that you still have proof of insurance.

Every state has different rules for when you no longer need an SR-22. Usually, after a few years you can request that the state review your records. Authorities will check your record of coverage and decide whether you've met all of the requirements. Then, once you no longer need an SR-22, you can notify your insurance company — and your rates may go down the next time your policy renews.

How to get SR-22 insurance quotes

If your license is suspended in the middle of your policy and you have to file an SR-22, you'll have to notify your insurance company. Since car insurance companies don't have to offer SR-22 insurance, they may decide you're too risky to insure and cancel your policy if you have a suspended license. In this case, you would have to get auto insurance from another company.

Fortunately, getting SR-22 insurance quotes isn't very different than it is for other drivers. Before an insurer gives you a quote for SR-22 insurance, you'll be asked about past incidents, violations, or accidents when you input your personal information — typically, they’ll simply ask you whether or not you need an SR-22 form. The best way to compare auto quotes is by using an independent marketplace like Policygenius to see options from multiple companies at once.

If you find out you have to file an SR-22, take these steps to get cheap quotes:

  1. Contact your insurance company: As soon as possible after you're notified that you need to carry an SR-22, contact your insurer to find out if they will file the form for you. Since there are often filing deadlines for SR-22s, you need to act quickly to avoid more penalties or fines.

  2. Shop around for coverage: If your insurance company refuses to cover you after your license is suspended, or if your car insurance premiums will be too expensive, shop around and get quotes from other companies to find the cheapest rates in your area.

  3. Check for discounts: As you shop around for coverage, keep an eye out for discounts opportunities. Since SR-22 insurance is more expensive than coverage for most drivers, you could try to lower your premiums by getting covered by a company that offers drivers lots of easy ways to save.

  4. Consider raising your deductible: If you find that your rates for SR-22 insurance are too high, you could get cheaper quotes by raising your deductible (the amount deducted from a comprehensive or collision claim). By raising your deductible, you can lower your rates while avoiding cutting down on the amount of coverage you buy.

Where can you get SR-22 quotes?

Virtually every large insurance company offers SR-22 quotes. Some companies — like Dairyland, Direct Auto, and National General — even specialize in offering coverage to drivers who need an SR-22. On the other hand, you could have trouble getting covered with small, local providers who can't afford taking the risk of insuring high-risk drivers.

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Do you need SR-22 insurance?

You may need SR-22 insurance if your license was suspended after a DUI, another driving violation, or after getting too many traffic tickets in a short period of time, and you have to prove that you have insurance coverage. However, not every state requires drivers to get an SR-22.

In Florida and Virginia, for example, you may be required to submit an SR-22 for some driving violations, but for others, you may have to file an FR-44 form instead. Unlike an SR-22, an FR-44 requires you to purchase double the  state’s legal minimum amount of required car insurance. 

Alternatively, in some states that don't require SR-22s you may have to pay a fine, enroll in an alcohol treatment course (if you got a DUI), enroll in a safe driving class, or wait for a period of time in which you won't be able to drive.

Other special circumstances related to SR-22 insurance could affect out-of-state drivers and non-owners.

Out-of-state SR-22 requirements

If you commit a moving violation in another state, your driver's license may be revoked in that state until you meet local requirements for reinstating your license — which may include filing an SR-22. You may also be able to waive any out-of-state SR-22 requirements by signing an affidavit.

Non-owner SR-22 insurance

Non-owner car insurance is for people who drive frequently without owning their own car. You might get non-owner car insurance if you use rentals, friends' or relatives' cars, or want to avoid a lapse in coverage. If you don't own a car but your license is suspended, you’ll need to get non-owner SR-22 insurance.

How long do I need SR-22 insurance?

While every state has different rules for how long you need SR-22 insurance, most require you to carry an SR-22 for three years. However, if you commit another traffic violation during that time, you’ll need to have an SR-22 form even longer.

During the time you're required to have an SR-22, you need to keep paying your car insurance premiums. If your policy is canceled during that time, the SR-22 will no longer be in force, and your driver's license will be suspended until you have car insurance and your insurer has filed an SR-22 again. However, the insurer will notify you long before that happens.

Frequently Asked Questions

What do I need to get an SR-22?

All you need to get an SR-22 is to call your insurance company. They will file an SR-22 on your behalf and pass the filing fee onto you. If you're shopping for a new insurance policy and you need an SR-22, you will also need to let any potential insurance company know during the application process that they will need to file an SR-22 for you.

Why do you need SR-22 insurance?

States require certain high-risk drivers to get an SR-22 to prove they have enough insurance coverage that they're not endangering other drivers on the road. "SR-22 insurance" just refers to a policy with an SR-22 form attached — so it’s regular car insurance but your insurance company has also filed an SR-22 with your state.

Will all auto insurance companies do an SR-22?

While not every auto insurance company will file an SR-22 for you, most major insurance companies will. However, if you have multiple DUIs or serious moving violations on your record, you could have a significantly harder time finding an insurer who will cover you than someone with a slightly cleaner record.

How do you know if you need an SR-22?

Your state's Department of Motor Vehicles or equivalent agency will let you know if you need an SR-22. The state's office will also provide you with a deadline date for filing. Your state will also let you (and your insurance company) know when you no longer need an SR-22, usually after a few years have passed.