Who has the cheapest SR-22 insurance?
We found that State Farm has the cheapest SR-22 insurance, with an average cost of $116 per month or $1,391 per year. That’s about half of the average national cost of SR-22 insurance ($2,739 per year)
If you need your insurance company to file an SR-22 because your license was suspended or you have a violation on your record, it’s worth comparing quotes from a wide range of companies. We found that besides State Farm, smaller companies like NJM, Erie, and MAPFRE had some of the cheapest SR-22 insurance quotes.

DUIIf you’re having trouble finding a company offering cheap auto insurance for drivers who need an SR-22 (or one that will cover you at all), you should consider a non-standard insurance company, which is a type of insurer that specializes in covering high-risk drivers.
Popular non-standard companies include National General (now affiliated with Allstate), Freeway Insurance, The General, or United Automobile Insurance Company.
Who needs SR-22 insurance?
An SR-22 is just a form that proves to the state that you have car insurance. You may need an SR-22 if your license was suspended because of a DUI, serious accident, or too many traffic tickets. You may also need one if you were caught driving without insurance.
Methodology: Why you can trust our picks for the cheapest SR-22 insurance
We found the companies with the cheapest SR-22 insurance by calculating premiums for drivers with either one at-fault accident, or a violation for reckless driving, a DUI, or a speeding ticket.
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.
Cheapest SR-22 insurance: State Farm

Best and cheapest insurance for an SR-22
Average monthly cost:
$116
State Farm has the cheapest insurance for drivers who need an SR-22. State Farm also has a reputation for excellent customer service, and is available almost everywhere.
Annual cost: $1,391 per year
Number of complaints: Low
Read our full State Farm car insurance review
According to our analysis, State Farm has the cheapest average rates for SR-22 insurance. Insurance for a driver who needs an SR-22 is just $116 per month with State Farm. That’s $1,349 less per year than the national average.
In addition to its low rates, State Farm is one of the best companies for customer service. According to the National Association of Insurance Commissioners, State Farm receives about one third fewer complaints from its policyholders than average.
Violation | Average monthly cost | Average annual cost |
At-fault Accident | $116 | $1,398 |
DUI | $132 | $1,588 |
Reckless Driving | $124 | $1,485 |
Speeding Ticket | $110 | $1,321 |
Rates from State Farm for different drivers who may need an SR-22
Cheapest SR-22 insurance in every state
We found that State Farm has the cheapest insurance for an SR-22 in 38 states. Keep in mind that the company with the best quotes for SR-22 insurance will depend on the reason why your license was suspended (among other factors), so it will vary by driver.
We found that GEICO, American National, and USAA also have the cheapest SR-22 insurance rates on average in a handful of states. The best way to be sure you find the cheapest SR-22 insurance is to compare quotes for your area before buying.
State | Cheapest SR-22 insurance | Average monthly cost |
State Farm | $120 | |
State Farm | $91 | |
State Farm | $111 | |
State Farm | $89 | |
Wawanesa | $133 | |
American National | $104 | |
State Farm | $108 | |
State Farm | $137 | |
State Farm | $149 | |
State Farm | $126 | |
State Farm | $91 | |
State Farm | $53 | |
State Farm | $88 | |
State Farm | $83 | |
State Farm | $65 | |
State Farm | $100 | |
State Farm | $151 | |
State Farm | $70 | |
GEICO | $135 | |
Progressive | $163 | |
State Farm | $101 | |
USAA | $94 | |
State Farm | $93 | |
State Farm | $140 | |
State Farm | $108 | |
USAA | $83 | |
State Farm | $86 | |
State Farm | $68 | |
State Farm | $80 | |
American National | $86 | |
State Farm | $101 | |
State Farm | $80 | |
Redpoint | $113 | |
State Farm | $114 | |
State Farm | $59 | |
State Farm | $79 | |
PEMCO | $100 | |
State Farm | $76 | |
State Farm | $114 |
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What does an SR-22 cost?
We found that the average cost of SR-22 insurance is $228 per month, or $2,739 per year. But you might be able to find cheaper insurance depending on the reason your license was suspended, as well as your location, age, past insurance history, and even more.
On average, SR-22 insurance costs $1,101 more per year than a policy without an SR-22.
Company | Clean record | Speeding | At-fault accident | DUI | Reckless driving |
State Farm | $95 | $110 | $116 | $132 | $124 |
GEICO | $99 | $177 | $173 | $254 | $220 |
Progressive | $148 | $196 | $237 | $193 | $225 |
Allstate | $171 | $204 | $271 | $285 | $271 |
USAA | $87 | $112 | $129 | $176 | $135 |
Farmers | $174 | $229 | $261 | $239 | $274 |
Nationwide | $123 | $164 | $206 | $275 | $266 |
American Family | $123 | $167 | $180 | $179 | $203 |
Travelers | $113 | $170 | $159 | $177 | $176 |
AAA | $178 | $251 | $284 | $326 | $326 |
Table shows rates for SR-22 insurance associated with different driving incidents.
Your insurance company will also charge you a small filing fee to submit an SR-22 on your behalf. Since you can’t file an SR-22 for yourself, you won’t be able to avoid it, but it’s usually around $25.
What is SR-22 insurance and how does it work?
SR-22 insurance isn’t a type of car insurance policy, it’s just regular insurance but your insurance company files an SR-22 form with the state on your behalf. You may have to get an SR-22 if your license was suspended or you have a serious violation on your record.
Each state has different rules about when drivers have to get an SR-22 (and some states don’t require SR-22s at all). But some of the most common reasons why you’d have to get an SR-22 include:
License suspension
A DUI, DWI, or OWI citation
Reckless driving and other serious moving violations
Driving without car insurance
A serious at-fault accident
Getting too many points on your license
If your state requires you to have SR-22 insurance, you don't have to file the form yourself. Instead, your insurance company will file the SR-22 for you to let your state's Department of Motor Vehicles know that you're covered.
If you’re in an accident or need to make a claim, your insurance policy will work the same way it did before you had to get an SR-22. The main thing that’s different from a normal policy is that you’ll have to have an SR-22 attached to your car insurance for a set number of years.
Most of the time, as long as you keep a clean record you’ll only need to have SR-22 insurance for around three years, but every state has different rules.
During this time you must file an SR-22 every year to show that you still have proof of insurance. Otherwise, your license could be suspended and you may face other penalties.
Do drivers always need SR-22 insurance after a license suspension?
Not every state requires drivers to file an SR-22. In Florida and Virginia you may also have to file an FR-44 form and buy double the state’s legal minimum amount of required car insurance. In other states, you might have to pay a fine or enroll in a substance-abuse program or a safe driving program.
How to get SR-22 insurance
It’s not very difficult to get an SR-22 once you find an insurance company that’s willing to cover drivers whose licenses have been suspended or who have serious driving violations.
To get SR-22 insurance, you should:
Let your company know you need SR-22 insurance You’ll do this when you apply for insurance. Car insurance companies don't have to offer SR-22 insurance and may decide you're too risky to insure. If that happens, you’ll have to search for another company that will cover you.
Pay your fee When you find a company that will cover you and you’ve let the carrier know that you need an SR-22, your company will file it for you and add the filing fee to your premium.
Have your license reinstated Your state’s DMV may take a few weeks to process your newly filed SR-22. Once it does, you’ll be notified and you can start driving (pending any other fees for reinstatement).
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Frequently asked questions
What do I need to get an SR-22?
All you need to get an SR-22 is to tell your insurance company. The company will file an SR-22 on your behalf and pass the filing fee onto you. You will also need to let any potential new insurance company know during the application process that you will need an SR-22.
Will all auto insurance companies do an SR-22?
Not every auto insurance company will file an SR-22 for you, but most major insurance companies will. That said, it might be harder to get SR-22 insurance if you have multiple DUIs or serious moving violations on your record.
What happens if your SR-22 insurance gets canceled?
If your policy is canceled during the time you’re supposed to have an SR-22, your license may be suspended again. To reinstate it, you’ll have to get insured again and file another SR-22. Your company will notify you before that happens though.
Do you need an SR-22 if your violation happened in another state?
Your driver's license may be revoked in another state after a moving violation. Even though you don’t live there, you might still have to get an SR-22 if that state’s laws require it.
How do you know if you need an SR-22?
Your state's DMV will let you know if you need an SR-22, along 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.