How to Get Cheap SR-22 Car Insurance
Cheapest SR-22 car insurance companies
Progressive and Farm Bureau have the cheapest SR-22 liability insurance Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. after a major offense. Both charge an average of $104 a month.
Farm Bureau has the cheapest full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. at $253 a month. Although USAA is cheaper, it’s only available to the military community.
Cheap SR-22 insurance after a major violation
Company | Liability | Full coverage | LendingTree score | |
---|---|---|---|---|
![]() | Farm Bureau | $104 | $253 | ![]() |
![]() | Progressive | $104 | $289 | ![]() |
![]() | Geico | $109 | $275 | ![]() |
![]() | Mercury | $111 | $291 | ![]() |
![]() | State Farm | $126 | $316 | ![]() |
![]() | Auto-Owners | $132 | $265 | ![]() |
![]() | Erie | $147 | $278 | ![]() |
![]() | Farmers | $148 | $457 | ![]() |
![]() | Nationwide | $174 | $373 | ![]() |
![]() | USAA* | $94 | $244 | ![]() |
*USAA is only available to current and former members of the military and their families.
Each company’s SR-22 car insurance rate varies by customer. The actual price you pay depends on factors like your driving record and location. It’s good to compare car insurance quotes from multiple companies to find the cheapest rate.
Cheap car insurance for minor SR-22 violations
Auto-Owners has the cheapest SR-22 auto insurance for minor offenses like license and registration violations. It charges $48 a month for liability and $128 a month for full coverage. Erie is the next-cheapest company.
Auto-Owners You can get Auto-Owners car insurance in Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. and Erie Erie is available in the District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York. North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. are regional companies that are not available in every state. Geico is the cheapest large car insurance company for minor-violation SR-22s. It’s available in most parts of the country.
Cheap SR-22 insurance after a minor violation
Company | Liability | Full coverage |
---|---|---|
Auto-Owners | $48 | $128 |
Erie | $64 | $149 |
Geico | $69 | $182 |
State Farm | $75 | $187 |
Farm Bureau | $77 | $193 |
Mercury | $89 | $233 |
Progressive | $93 | $277 |
Nationwide | $117 | $244 |
Farmers | $142 | $426 |
USAA* | $53 | $137 |
Best companies for SR-22 car insurance
Farm Bureau is the best overall company for SR-22 auto insurance. Along with low rates, it has excellent customer service scores. These include ratings from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. and the National Association of Insurance Commissioners The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault. (NAIC).
Geico is the best large company for SR-22 car insurance. Auto-Owners is best for minor SR-22 violations.
Best SR-22 insurance companies
Company | Category | Satisfaction score Source: J.D. Power 2024 U.S. Auto Insurance Study. Average is 644. Higher is better. | Complaint rating Source: 2024 NAIC complaint index. Average is 1.0. Lower is better. | LendingTree score |
---|---|---|---|---|
Farm Bureau | Best overall | 676 | 0.2 | ![]() |
Geico | Large company | 637 | 0.8 | ![]() |
Auto-Owners | Minor violations | 654 | 0.5 | ![]() |
Best overall SR-22 car insurance: Farm Bureau

Low rates and good ratings make Farm Bureau the top choice for SR-22 insurance. Its high satisfaction score means customers are generally happy with their prices and service. It has especially great ratings in Texas, Alabama and Tennessee.
A 0.2 complaint rating means Farm Bureau has one-fifth as many customer complaints as average. This is a good sign that it meets customer expectations.
Farm Bureau has cheap rates and good customer service overall. However, its offerings vary by state. For example, it offers gap insurance Gap insurance covers the difference between your car’s value and your loan balance, if you total the vehicle. in Virginia but not in many other states. Some states don’t have Farm Bureau auto insurance.
Pros
Cheapest SR-22 rates for major violations
Excellent NAIC complaint score
Great customer satisfaction in Texas and the Southeast
Cons
Doesn’t offer car insurance in every state
Not so cheap for minor-violation SR-22s
Best large company for SR-22 insurance: Geico

Geico is among SR-22 price leaders for both major and minor violations. Its major-violation SR-22 rates are nearly identical to those of Progressive, also a large company. Geico is much cheaper for minor-violation SR-22s than Progressive.
Geico also has a better satisfaction score from J.D. Power than Progressive. Unfortunately, both companies’ satisfaction ratings are below the industry average.
Pros
SR-22 rates are about 20% less than U.S. average
Discounts for active duty and retired military
Easy online shopping experience
Cons
Satisfaction score is worse than average
Best for minor SR-22 violations: Auto-Owners

Cheap prices and good ratings make Auto-Owners a good choice for minor-violation SR-22 insurance. Its 0.5 complaint rating means it has about half as many complaints as average. It has especially high satisfaction scores in Arizona, Kansas, Minnesota and Utah.
Auto-Owners rates for minor SR-22 violations are about 45% less than national averages. It also offers gap insurance, which some of its competitors don’t have. Unfortunately, Auto-Owners is only available in 26 states.
Pros
Cheap SR-22 rates after a minor violation
Excellent complaint score from NAIC
Offers gap insurance
Cons
Only available in 26 states
Not so cheap for major-violation SR-22s
How much is SR-22 insurance?
The average cost of SR-22 insurance ranges from $91 a month to $321 a month. Liability-only car insurance for a minor offense is cheapest. Full coverage after a major offense costs the most.
Minor violations include driving without insurance and driving with a suspended license or registration. Along with DUIs, major violations include reckless driving and hit and run.
Average costs of SR-22 insurance
Type of violation | Monthly rate liability | Monthly full coverage |
---|---|---|
Minor offense | $91 | $235 |
Major offense | $131 | $321 |
Many companies add a small filing fee to your SR-22 insurance rate. These usually cost about $25, but vary by company.
How to get SR-22 insurance
Most car insurance companies offer SR-22 insurance. You need to let the companies you contact for quotes know about your SR-22 requirement.
- Your insurance company usually files the certificate for you when you buy your policy. Make sure to confirm this with the company you choose.
- You can often get non-owners SR-22 insurance if you don’t own a car. A non-owners SR-22 policy lets you legally drive cars that you borrow If you regularly borrow the same car, its owner may need to add you to their policy. You can check with their insurance company to find out. or rent.
How much auto insurance do I need with an SR-22?
You usually only need to meet your state’s minimum auto insurance requirements to get an SR-22. Most states require liability insurance. A few also make you get uninsured motorist Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else. (UM) and personal injury protection PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses. (PIP).
If you have a car loan or lease, you usually also need collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. (comp) coverage. Both coverages come with a deductible, which is your share of repair costs.
How to save money on SR-22 insurance
Shopping around, using car insurance discounts and adjusting your coverages are good ways to save money on SR-22 insurance.
The advantages of shopping around
Liability insurance costs 92% more with a major SR-22 violation than it does with a clean record. Full coverage costs 79% more. However, some companies raise their rates by lower amounts.
Getting quotes from multiple car insurance companies helps you find the cheapest rate.
Best discounts for SR-22 insurance
Bundling your car insurance with a home or renters policy can get you a generous discount. You can add to the savings by using your insurance company’s safe driving app Several companies offer a safe driving app, which monitors your driving. You usually get a discount just for signing up. If you drive safely enough, you get additional discounts when you renew your policy. , if it has one. Ask the companies you contact for quotes about other discounts that may be available to you.
How to save on full coverage SR-22 insurance
Choosing high collision and comp deductibles can reduce your rate for full coverage SR-22 insurance.
Since your deductibles come out of your own pocket, you don’t want them to be too high. However, just raising them from $500 to $1,000 usually provides noticeable savings. Higher deductibles will save you more.
You may be better off without collision and comp when your car’s value drops below a few thousand dollars. Collision and comp cover your car at its depreciated value after you pay your deductible. If you have a $3,000 car and a $1,000 deductible, your insurance company only pays $2,000 if it’s totaled or stolen.