Best Companies for Cheap SR-22 Car Insurance
Best cheap SR-22 car insurance rates
Cheapest SR-22 insurance after a major violation
Progressive has the cheapest SR-22 car insurance for most drivers with a major violation like DUI (driving under the influence). Its full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. You’ll pay less if you only need liability coverage. rates average $2,656 a year, or $221 a month. USAA is cheaper, but it’s only available to the military community.
Best SR-22 rates after a major violation
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $2,656 |  |
 | Auto-Owners | $3,719 |  |
 | State Farm | $3,901 |  |
 | Allstate | $4,680 |  |
 | Geico | $5,067 |  |
 | Farmers | $5,307 | |
 | Nationwide | $5,332 | |
 | USAA* | $2,576 | |
Full coverage rates for a 30-year-old man with a DUI. You’ll pay less if you only need liability coverage. *USAA is only available to current and former military service members and their families.
Your actual rate depends largely on the incident that led to your SR-22 insurance requirement. Each company views driving incidents differently, and their rates vary by customer. This makes it good to compare car insurance quotes from a few different companies.
Cheap SR-22 insurance after a minor violation
State Farm has the cheapest SR-22 car insurance for most drivers with a minor violation at $146 a month. This is 7% less than the next-cheapest rate of $157 a month from Auto-Owners.
Auto-Owners has a few more coverage options than State Farm, including gap insurance Gap insurance covers the difference between your car’s value and your loan balance, if you total the vehicle. . However, Auto-Owners is only in 26 states Auto-Owners car insurance is available 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. . State Farm is available just about everywhere.
Best SR-22 rates after a minor violation
| Company | Annual rate |
|---|---|
| State Farm | $1,755 |
| Auto-Owners | $1,883 |
| Progressive | $2,728 |
| Geico | $2,763 |
| Nationwide | $3,178 |
| Allstate | $3,513 |
| Farmers | $4,589 |
| USAA* | $1,603 |
Best companies for SR-22 insurance
State Farm’s low rates and high satisfaction score 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. make it the best overall company for SR-22 insurance. It’s more expensive than Progressive after a major violation, but it has a better satisfaction score.
Auto-Owners is the best regional company for SR-22 insurance. USAA is the best choice if you meet its military eligibility requirements.
Best SR-22 insurance
| Company | Best for | Satisfaction score | LendingTree score |
|---|---|---|---|
| State Farm | Best overall | 657 | |
| Auto-Owners | Regional company | 654 | |
| USAA | Military | 739 | |
Best overall: State Farm
Pros
Cheapest SR-22 insurance after a minor violation
Discounts for bundling with home or renters insurance
Safe driving app can lower your rate
Cons
Rates after a major violation are just average
Doesn’t offer gap insurance
State Farm’s high satisfaction score means its customers are generally happy with its prices, coverage options and service. Its rates get more affordable if you bundle your car insurance with a home or renters policy.
State Farm’s Drive Safe and Save program can help you save more money on SR-22 insurance. The program uses a smartphone app to monitor your driving. You get a 10% discount just for signing up. If you drive safely enough, you can save up to 30% each time you renew.
Best regional company: Auto-Owners
Pros
Cheaper SR-22s than many larger companies
Excellent rating for customer satisfaction
Especially cheap for minor violation SR-22s
Cons
Only available in 26 states
Online quotes not available
Although it’s a relatively small company, Auto-Owners offers cheaper rates than many larger ones. Its SR-22 rate after a minor violation is 27% less than the average of $216 a month. It also has a better satisfaction rating than some larger companies, including Progressive and Geico.
Auto-Owners also has easy-to-earn discounts that can make your SR-22 rate more affordable. You can save by getting a quote before your policy’s start date, paying in full and going paperless.
Best SR-22 insurance for military: USAA
Pros
Cheapest SR-22 car insurance rates
Highest rated company for customer satisfaction
Easy-to-use website and smartphone app
Cons
Only available to the military community
Lack of personalized agent services
Along with cheap rates, USAA has a better satisfaction rating than every other car insurance company. The company’s website and smartphone app make it easy to get quotes and manage your policy. However, you usually end up talking to a different agent each time you call the service center. You can get more personalized service from other companies by regularly working with the same agent.
USAA also offers additional ways to save on SR-22 insurance. Its standard SafePilot app gives you a discount for driving safely. Its pay-per-mile SafePilotMiles app gives you a lower rate if you only drive once in a while.
Cheapest SR-22 car insurance by state
The cheapest company for SR-22 insurance varies by state. Progressive has the cheapest SR-22 insurance for major violations in 24 states. State Farm is the cheapest company in nine states. In some states, regional companies are cheaper than large national ones.
For example, Mercury has the cheapest SR-22 insurance for a major violation in California. Plymouth Rock is the cheapest SR-22 company for majors in Massachusetts.
Cheapest major violation SR-22s by state
| State | Cheapest company | Annual Rate | Monthly Rate |
|---|---|---|---|
| Alabama | State Farm | $3,048 | $254 |
| Alaska | Geico | $2,617 | $218 |
| Arizona | Progressive | $2,445 | $204 |
| Arkansas | State Farm | $3,033 | $253 |
| California | Mercury | $3,026 | $252 |
| Colorado | Progressive | $3,892 | $324 |
| Connecticut | Progressive | $3,291 | $274 |
| Delaware | Progressive | $3,024 | $252 |
| Florida | Geico | $4,246 | $354 |
| Georgia | Auto-Owners | $3,411 | $284 |
| Hawaii | State Farm | $3,037 | $253 |
| Idaho | State Farm | $2,026 | $169 |
| Illinois | State Farm | $3,414 | $284 |
| Indiana | Progressive | $1,641 | $137 |
| Iowa | Progressive | $1,589 | $132 |
| Kansas | Progressive | $2,143 | $179 |
| Kentucky | Progressive | $3,344 | $279 |
| Louisiana | Allstate | $3,858 | $321 |
| Maine | Progressive | $1,534 | $128 |
| Maryland | Allstate | $4,193 | $349 |
| Massachusetts | Plymouth Rock | $2,003 | $167 |
| Michigan | Progressive | $2,176 | $181 |
| Minnesota | Farmers | $4,730 | $394 |
| Mississippi | Progressive | $2,273 | $189 |
| Missouri | Progressive | $2,096 | $175 |
| Montana | State Farm | $1,921 | $160 |
| Nebraska | American Family | $2,041 | $170 |
| Nevada | Progressive | $4,402 | $367 |
| New Hampshire | Hanover | $994 | $83 |
| New Jersey | Progressive | $2,471 | $206 |
| New Mexico | Progressive | $2,246 | $187 |
| New York | Allstate | $4,702 | $392 |
| North Carolina | Progressive | $3,036 | $253 |
| North Dakota | Progressive | $1,898 | $158 |
| Ohio | Geico | $944 | $79 |
| Oklahoma | Progressive | $2,089 | $174 |
| Oregon | Progressive | $2,036 | $170 |
| Pennsylvania | Allstate | $2,731 | $228 |
| Rhode Island | Progressive | $2,966 | $247 |
| South Carolina | Farm Bureau | $1,827 | $152 |
| South Dakota | State Farm | $2,218 | $185 |
| Tennessee | Erie | $2,248 | $187 |
| Texas | State Farm | $1,422 | $119 |
| Utah | Progressive | $1,983 | $165 |
| Vermont | Progressive | $1,375 | $115 |
| Virginia | Farm Bureau | $1,753 | $146 |
| Washington | American Family | $1,930 | $161 |
| Washington, D.C. | Progressive | $2,389 | $199 |
| West Virginia | Erie | $2,128 | $177 |
| Wisconsin | Progressive | $2,277 | $190 |
| Wyoming | State Farm | $2,270 | $189 |
Cheapest companies for minor violation SR-22 insurance
State Farm has the cheapest SR-22 insurance for minor violations in 34 states, while Geico is the cheapest in six. Auto-Owners and Progressive have the lowest minor violation SR-22 rates in four states each.
Cheap minor violation SR-22 insurance by state
| State | Cheapest company | Annual rate | Monthly rate |
|---|---|---|---|
| Alabama | State Farm | $1,329 | $111 |
| Alaska | State Farm | $1,475 | $123 |
| Arizona | State Farm | $1,759 | $147 |
| Arkansas | State Farm | $1,440 | $120 |
| California | Geico | $2,326 | $194 |
| Colorado | State Farm | $2,086 | $174 |
| Connecticut | State Farm | $1,805 | $150 |
| Delaware | State Farm | $1,960 | $163 |
| Florida | State Farm | $2,114 | $176 |
| Georgia | Auto-Owners | $1,782 | $149 |
| Hawaii | Geico | $829 | $69 |
| Idaho | State Farm | $710 | $59 |
| Illinois | State Farm | $1,545 | $129 |
| Indiana | State Farm | $1,437 | $120 |
| Iowa | State Farm | $1,106 | $92 |
| Kansas | Progressive | $2,439 | $203 |
| Kentucky | Auto-Owners | $2,011 | $168 |
| Louisiana | State Farm | $2,874 | $239 |
| Maine | State Farm | $1,251 | $104 |
| Maryland | State Farm | $1,509 | $126 |
| Massachusetts | Geico | $1,453 | $121 |
| Michigan | Progressive | $2,301 | $192 |
| Minnesota | Geico | $3,765 | $314 |
| Mississippi | State Farm | $1,229 | $102 |
| Missouri | State Farm | $1,773 | $148 |
| Montana | State Farm | $966 | $81 |
| Nebraska | State Farm | $1,484 | $124 |
| Nevada | State Farm | $2,503 | $209 |
| New Hampshire | Hanover | $859 | $72 |
| New Jersey | State Farm | $2,656 | $221 |
| New Mexico | State Farm | $1,563 | $130 |
| New York | State Farm | $2,700 | $225 |
| North Carolina | Progressive | $1,085 | $90 |
| North Dakota | State Farm | $1,411 | $118 |
| Ohio | Geico | $832 | $69 |
| Oklahoma | State Farm | $1,616 | $135 |
| Oregon | State Farm | $1,395 | $116 |
| Pennsylvania | State Farm | $1,610 | $134 |
| Rhode Island | Amica | $2,970 | $248 |
| South Carolina | Auto-Owners | $1,460 | $122 |
| South Dakota | State Farm | $1,351 | $113 |
| Tennessee | Erie | $1,497 | $125 |
| Texas | Texas Farm Bureau | $1,036 | $86 |
| Utah | Auto-Owners | $1,697 | $141 |
| Vermont | State Farm | $758 | $63 |
| Virginia | State Farm | $1,491 | $124 |
| Washington | State Farm | $1,282 | $107 |
| Washington, D.C. | Erie | $2,273 | $189 |
| West Virginia | Westfield | $1,481 | $123 |
| Wisconsin | State Farm | $1,524 | $127 |
| Wyoming | State Farm | $1,294 | $108 |
How to get SR-22 insurance
Most car insurance companies offer SR-22 insurance, but some don’t. It’s good to let the companies you contact for quotes know about your SR-22 requirement up front. This can spare you the time of having to fill out insurance questionnaires for companies that don’t have it.
- Most companies add a small SR-22 filing fee of about $25 to your rate.
- Your insurance company usually files your SR-22 certificate with your state’s DMV 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.
SR-22 car insurance coverage requirements
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).
You usually need to add 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) to your policy for a loan or lease. Both coverages come with a deductible, which is your share of repair costs.
How to save money on SR-22 car insurance
You can often save money on SR-22 insurance by shopping around, adjusting your coverage and using car insurance discounts.
SR-22 car insurance shopping tips
The average cost of car insurance goes up by 85% after a major violation like a DUI to $324 a month. However, some companies raise their rates by smaller amounts. Getting quotes from multiple companies helps you find the best rate for your situation.
- Some companies, including State Farm and Allstate, work with exclusive agents. You have to contact these companies separately for quotes.
- Other companies, including Auto-Owners and Progressive, work with independent agents. An independent agent can get you quotes from multiple companies at once.
It’s good to ask the insurance agents who give you quotes which companies they represent. This helps you make sure you get quotes from all the companies you want to contact. It also helps you avoid having multiple agents give you quotes from the same companies.
Money-saving SR-22 coverage tips
You can also save money on SR-22 insurance by choosing high deductibles or dropping full coverage.
Since your deductibles come out of your pocket, you don’t want them to be too high. However, just raising them from $500 to $1,000 usually provides noticeable savings.
You may be better off without full coverage if your vehicle’s value is less than a few thousand dollars. Insurance only covers your car at its depreciated value, minus your deductible.
If you have a $1,000 deductible for a $3,000 car, insurance only pays $2,000 if it’s totaled or stolen. For comparison, dropping collision and comp can knock about $1,000 off your annual insurance rate.
Best discounts for SR-22 insurance
Bundling your car insurance with a home or renters policy usually gets you a big discount. You can add to your savings by using your insurance company’s safe driving app, if it has one. Ask about these other discounts when you get your quotes.