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Cheapest SR-22 insurance

Drivers who need an SR-22 after a driving violation or a license suspension may find cheap insurance from companies like State Farm, USAA, Travelers, and others.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew 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.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan 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|5 min read

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Who has the cheapest SR-22 insurance?

According to our analysis, State Farm has the cheapest car insurance for drivers who need an SR-22. On average, State Farm is $127 per month or $1,519 a year, for car insurance with an SR-22. That’s 51% cheaper than the national average for SR-22 insurance.

USAA, Travelers, American Family, Progressive may also offer cheap car insurance for drivers who need an SR-22.

A graph showing the cheapest car insurance after an SR-22. State Farm is the cheapest company.

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State Farm has the cheapest SR-22 car insurance for drivers with citations on their records for driving with a suspended license, a DUI, or reckless driving.

Since your car insurance rates depend on where you live and other personal details, you should still compare quotes from a few companies to be sure you find the best rates for you, regardless of your driving record.

Company

Driving with a suspended license

DUI

Reckless driving

State Farm

$1,485

$1,588

$1,485

USAA*

$1,972

$2,110

$1,616

Travelers

$2,144

$2,122

$2,108

American Family

$2,439

$2,149

$2,439

Progressive

$2,723

$2,318

$2,701

GEICO

$2,224

$3,047

$2,645

Farmers

$3,278

$2,873

$3,288

Nationwide

$3,230

$3,306

$3,196

Allstate

$3,320

$3,416

$3,251

Auto Club (AAA)

$3,826

$3,907

$3,907

Collapse table

Average yearly cost of SR-22 insurance

Methodology: Why you can trust our picks for the cheapest SR-22 insurance

We found the cheapest car insurance with an SR-22 by calculating rates for drivers with one of the following violations on their record: driving with a suspended license, a DUI, or reckless driving. Drivers with these violations on their records are often required to get an SR-22.

Our rates, from Quadrant Information Services, came from every ZIP code in all 50 states and the District of Columbia. Our sample profile was a 30-year-old male driver with a 2017 Toyota Camry LE. The sample driver’s insurance came with:

  • 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

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 by state

We found that State Farm has the cheapest SR-22 insurance in 32 states. American National, GEICO, Progressive, USAA, and Wawanesa also have cheap rates in a handful of states.

Since car insurance with an SR-22 can be 50% more expensive (or more) than the cheapest options for drivers with a clean record, it’s all the more important to shop around and get multiple quotes before choosing a policy.

State

Cheapest SR-22 insurance

Average monthly cost of SR-22 insurance

Difference from average

Alabama

State Farm

$116

-54%

California

Wawanesa

$136

-67%

Colorado

American National

$114

-56%

Connecticut

State Farm

$107

-67%

Florida

State Farm

$146

-57%

Georgia

State Farm

$123

-51%

Idaho

State Farm

$52

-67%

Illinois

State Farm

$87

-59%

Indiana

State Farm

$84

-53%

Iowa

State Farm

$64

-61%

Michigan

Progressive

$162

-58%

Missouri

State Farm

$100

-54%

Ohio

State Farm

$67

-59%

South Carolina

American National

$93

-64%

Tennessee

State Farm

$78

-64%

Texas

Redpoint

$113

-52%

Wisconsin

State Farm

$75

-59%

Collapse table

Average monthly cost of SR-22 insurance

What is SR-22 insurance?

SR-22 insurance isn’t actually a type of car insurance. An SR-22 is a form that your insurance company files for you to prove to the state that you have an active car insurance policy.

The rules are different in each state, but an SR-22 may be a requirement for you if: 

  • Your have a suspended license

  • You were caught driving without car insurance

  • You let your car insurance lapse

  • You forged car insurance documents

  • You have a DUI, DWI, or OWI

  • You got too many points on your license

  • You got into an accident without insurance

  • You committed a felony while driving

Needing an SR-22 means that you’re considered a high-risk driver — basically, car insurance companies see you as more likely to file a claim. That’s why insurance with an SR-22 is more expensive than coverage for drivers with a clean record.

Non-owner SR-22 insurance

Non-owners car insurance is basic coverage for people who don’t own their own car. If your license is suspended and you need an SR-22 to show proof of insurance but you don’t own a car, getting non-owners insurance may be the cheapest way to meet your state’s requirements.

Since non-owner insurance only comes with limited liability coverage and no comprehensive or collision coverage, it’s cheaper than a regular car insurance policy. But fewer companies offer non-owner insurance (especially if you need an SR-22), so you may have to call a few companies or work with a broker to find coverage.

→ Read more about non-owner SR-22 insurance

Out-of-state SR-22 insurance

If your license is suspended or you commit a driving violation in a state you don’t live in, you may still have to get an SR-22.

You may have to find an insurance company in your state that will file your SR-22 with the state where you received the citation. This means finding a company that works in both your home state and the place where your license was suspended or where you committed the violation.

Sometimes you can apply for an SR-22 waiver instead. For example, Tennessee lets out-of-state residents apply for a waiver through their home state’s DMV or equivalent agency. [1] If your waiver is accepted, you don’t have to get a Tennessee SR-22 while living in another state.

SR-22 insurance vs. other forms

These forms are also related to proof of insurance, but they aren’t the same as an SR-22:

  • FR-44: Drivers in Florida and Virginia who commit drinking and driving violations have to carry FR-44 insurance instead of an SR-22.

  • SR-22A: In Georgia, an SR-22A shows that you’re insured after you’re caught without car insurance more than once.

  • SR-26: Your insurance company files an SR-26 with your state when you no longer have an SR-22. This is how your state knows if you canceled your policy or let it lapse while you were still supposed to have an SR-22.

  • SR-37: In Connecticut, an SR-37 is a form that you file to show you’re insured after the state asks for proof. An SR-37 also includes a $200 fine.

How long do you need SR-22 insurance?

In most states, you need to have SR-22 insurance for three years, but it can depend. In Tennessee, for example, you typically have to carry an SR-22 for up to five years after your suspension or driving violation.

During the SR-22 period, it’s essential to keep paying your premiums to avoid a lapse in car insurance coverage. If your SR-22 insurance lapses, your license will be suspended all over again and you’d need to keep your SR-22 on file for even longer.

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States where you don’t need SR-22 insurance

There are 12 states that don’t require SR-22 forms (although you may still faces fines or license suspension):

  • Delaware

  • Kentucky

  • Maryland

  • Minnesota

  • New Jersey

  • New Mexico

  • New York

  • North Carolina

  • Oklahoma

  • Pennsylvania

  • Rhode Island

  • West Virginia

In other states, things can get a little more complicated. For example, in Connecticut you won’t need an SR-22, but you still have to file proof of insurance and pay a fine after a violation. [2]

You may also be able to send money to the state instead of showing proof of insurance through an SR-22. Illinois lets drivers deposit $70,000 with the State Treasurer in lieu of proof of insurance. [3]

How much is SR-22 insurance?

We found that car insurance for drivers who need an SR-22 costs an average of $256 per month, or $3,078 a year. But there are other costs to keep in mind if you need an SR-22.

In most states, your insurance company files your SR-22 for you. You should expect your insurance company to charge you a filing fee of about $25 on top of your higher premiums.

And, while this isn’t directly related to your insurance rates, you should expect to pay other fines before your license is reinstated. These fines depend on where you live, your violation, and your driving history.

If you let your coverage lapse, you may even have to pay the fines a second time.

Which insurance companies offer SR-22 insurance?

Not all insurance companies will file an SR-22 for you, but many will. A few of the large companies where you can get SR-22 insurance are:

  • State Farm

  • GEICO

  • Progressive

  • USAA

  • American Family

  • Travelers

  • Nationwide

  • Liberty Mutual

You can also get high-risk coverage from smaller providers like Auto-Owners, AAA affiliates, Mercury, and Kemper. If you’re not sure where to start, speak with an independent broker like the ones at Policygenius.

Non-standard insurance companies

Non-standard insurance companies offer coverage to high-risk drivers. If you’re having trouble finding SR-22 insurance, it may be easier to get coverage from a non-standard company.

Popular non-standard car insurance companies include National General (now affiliated with Allstate), Freeway Insurance, Oxford, The General, and United Automobile Insurance Company.

How to get SR-22 insurance

You’ll find out that you need an SR-22 through the mail or, if you have to get an SR-22 because of a court ruling, a judge will tell you. Once you know that you need to get SR-22 insurance, follow these steps:

  1. Wait for your SR-22 to be processed It could take a couple of days before you hear from the state that your SR-22 was processed, so be sure not to start driving until you get confirmation.

  2. Let your car insurance company know you need an SR-22 If you already have insurance, ask your company to file an SR-22 for you. Keep in mind that your company may drop you after a license suspension or serious violation.

  3. Find a company that offers coverage If your company cancels your policy or you don’t already have car insurance, you’ll have to shop around for a new company that offers SR-22 insurance. Not all companies will file an SR-22 for you, so be prepared to compare quotes.

  4. Pick a policy and make your first payment Remember, when you get insurance with an SR-22 you’ll have to pay the filing fee in addition to your regular car insurance premium.

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Frequently asked questions

What do I need to get an SR-22?

You can get an SR-22 by letting your car insurance company know you need one. The company will file an SR-22 with the state for you, you’ll just have to pay a filing fee (along with the higher car insurance rates).

Who offers SR-22 insurance?

Not all auto insurance companies will file an SR-22, but most major companies will, including State Farm, GEICO, and Progressive. That said, it might be harder to get SR-22 insurance if you’re a repeat offender or if you have very serious violations on your driving history.

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 let you and your insurance company know when you no longer need an SR-22, too.

Can you get a quote for SR-22 insurance online?

Yes, it’s sometimes possible to get SR-22 quotes online. But with some companies, you may have to speak with an agent to get a quote.

How much more expensive is SR-22 insurance?

On average, SR-22 is $1,441 more expensive per year than a standard policy. The average cost of car insurance is $1,637 per year, but the cost of SR-22 insurance is $3,078 per year.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Tennessee Department of Safety and Homeland Security

    . "

    Driver License Reinstatements

    ." Accessed May 19, 2023.

  2. Connecticut General Assembly

    . "

    Penalties for Driving without Insurance

    ." Accessed May 19, 2023.

  3. Illinois Secretary of State

    . "

    SR-22 insurance in Illinois

    ." Accessed May 26, 2023.

Author

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.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Expert reviewer

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.

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