Find the cheapest SR-22 insurance and file your certificate fast. Expert guides on who needs SR-22, how long it's required, and the best high-risk insurance providers.
Get SR-22 Quote →SR-22 is not an insurance policy — it's a certificate your insurance company files with your state to prove you have the minimum required liability coverage. You need it after serious traffic violations: DUI/DWI, driving without insurance, multiple traffic violations, or license suspension. Most states require it for 2–3 years, though the exact duration and rules vary depending on where you're licensed and what triggered the requirement.
Because only high-risk drivers need an SR-22, insurers price the underlying policy accordingly — expect a meaningful premium increase on top of the small one-time filing fee. The good news: rates vary significantly between insurers for the exact same driver profile, so shopping around is the single most effective way to control the cost. This page covers the essentials; for deeper detail on any specific question, our full guides below cover everything from state-by-state rules to non-owner options.
| Company | Avg Monthly (SR-22) | Filing Fee | Best For |
|---|---|---|---|
| State Farm | $85–$150 | $15–$25 | Best rates for first-time SR-22 |
| Progressive | $90–$160 | $15–$25 | Best for DUI/DWI cases |
| GEICO | $95–$165 | $15–$30 | Best for military members |
| The General | $100–$180 | $20–$35 | Best for very high-risk drivers |
| Dairyland | $95–$175 | $20–$30 | Best for non-owner SR-22 |
No — if you don't own a vehicle but still need to satisfy an SR-22 requirement, a non-owner SR-22 policy covers you when driving borrowed, rented, or shared vehicles. Non-owner policies typically cost 20%–30% less than standard SR-22 coverage since there's no vehicle being insured, just liability protection. This is a commonly overlooked option for drivers who sold their car after a violation or rely on rideshares and borrowed vehicles.
Everything you need to make a confident decision
Find the cheapest SR-22 insurance and file your certificate fast. Expert guides on who needs SR-22, how long it's required, and the best high-risk insurance providers.
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