Introduction
An SR-22 filing is required after serious driving violations like DUIs, reckless driving, or license suspensions. Finding affordable coverage can be challenging, especially with a high risk label.
This guide reveals the cheapest SR-22 insurance providers in each state, along with money saving tips. Whether you need to reinstate your license or comply with court orders, we’ll help you find the best high risk auto insurance.
What Is SR-22 Insurance?
Definition & Purpose
- An SR-22 is a certificate proving you carry minimum liability insurance.
- Required for 3-5 years after serious violations (varies by state).
- Filed by your insurer with the DMV.
Who Needs It?
✔ Drivers convicted of DUI/DWI.
✔ Those with multiple traffic offenses.
✔ People with license suspensions or revocations.
How It Works
- Purchase an auto insurance policy (even high risk).
- The insurer files an SR-22 form with the state.
- You maintain coverage without lapses to avoid penalties.
Cheapest SR-22 Insurance Companies by State (2024)
1. California Mercury Insurance
- Average Annual Cost: 1,200−1,200−2,500
- Why? Competitive rates for high risk drivers.
- Best For: Drivers with first time DUIs.
2. Texas Dairyland
- Average Annual Cost: 1,500−1,500−3,000
- Why? Specializes in non standard auto insurance.
- Best For: Multiple violations or SR-22 after license suspension.
3. Florida GEICO
- Average Annual Cost: 1,800−1,800−3,200
- Why? Affordable premiums compared to local insurers.
- Best For: Drivers needing quick SR-22 filing.
4. New York Progressive
- Average Annual Cost: 2,000−2,000−4,000
- Why? Flexible payment plans available.
- Best For: High risk drivers with clean records post DUI.
5. Illinois State Farm
- Average Annual Cost: 1,400−1,400−2,800
- Why? Discounts for defensive driving courses.
- Best For: Drivers willing to improve their records.
(Full state by state breakdown included in the complete article.)
How to Get the Cheapest SR-22 Insurance After a DUI
1. Compare Multiple Quotes
- Rates vary dramatically between insurers.
- Use comparison sites like The Zebra or Gabi.
2. Take a Defensive Driving Course
- Completing an approved course can reduce premiums by 5 15%.
3. Opt for Higher Deductibles
- A $1,000 deductible lowers monthly payments.
- Only choose this if you can cover out of pocket costs.
4. Improve Your Credit Score
- Many insurers use credit based insurance scores.
- Paying bills on time helps lower rates over time.
5. Avoid Coverage Lapses
- A gap in insurance leads to even higher premiums.
- Set up auto pay to prevent missed payments.
How Much Does SR-22 Insurance Cost?
| Driving Record | Average Annual Premium |
|---|---|
| Clean Record | 800−800−1,500 |
| First DUI | 1,500−1,500−3,000 |
| Multiple DUIs | 3,000−3,000−6,000+ |
| License Suspension | 2,000−2,000−5,000 |
Note: Costs vary by state, age, and vehicle type.
How Long Do You Need SR-22 Insurance?
- 3 Years: Most states (CA, TX, FL).
- 5 Years: Some states for repeat offenses (AZ, WA).
- Until Court Requirement Ends: Check with your DMV.
Best SR-22 Insurance Companies Nationwide
1. Progressive Best for High Risk Drivers
- Pros: Covers multiple violations, online SR-22 filing.
- Cons: Rates increase after claims.
2. GEICO Best for Affordable Rates
- Pros: Competitive pricing, good customer service.
- Cons: Strict eligibility in some states.
3. Dairyland Best for Multiple DUIs
- Pros: Specializes in non standard insurance.
- Cons: Higher premiums than average.
4. State Farm Best for Long Term Savings
- Pros: Loyalty discounts, local agent support.
- Cons: Requires good driving history post DUI.
5. The General Best for Instant Coverage
- Pros: Fast approvals, low down payments.
- Cons: Expensive long term.
How to File an SR-22 Form
Step 1: Contact an SR-22 Insurance Provider
- Not all insurers offer SR-22 filings.
- Confirm before purchasing a policy.
Step 2: Purchase an Auto Insurance Policy
- Even minimum liability coverage works.
- Pay the first month’s premium.
Step 3: Insurer Files SR-22 with the DMV
- Takes 1 3 business days.
- You’ll receive a confirmation letter.
Step 4: Maintain Continuous Coverage
- Any lapse or cancellation resets the SR-22 period.
- The DMV may suspend your license again.
Common Mistakes to Avoid
1. Driving Without SR-22 Insurance
- Leads to extended license suspension.
- Fines up to $5,000 in some states.
2. Letting Coverage Lapse
- Even one day without insurance can trigger penalties.
- Set up auto pay to avoid mistakes.
3. Not Shopping Around
- Sticking with your old insurer often costs more.
- Compare at least 3 5 quotes.
4. Ignoring State Requirements
- Some states require FR 44 (Florida) or Proof of Financial Responsibility.
- Check your DMV’s official guidelines.
How to Remove an SR-22 Requirement
1. Complete the Mandatory Period
- Usually 3 5 years from the violation date.
- Check with your DMV or court.
2. Maintain a Clean Driving Record
- No new violations or accidents.
- Some states reduce the period for good behavior.
3. Request Removal from the DMV
- Your insurer can cancel the SR-22 filing.
- Get written confirmation from the DMV.
Final Tips to Save on SR-22 Insurance
✔ Compare quotes annually Rates drop over time.
✔ Take a defensive driving course for discounts.
✔ Avoid sports cars & luxury vehicles Higher premiums.
✔ Ask about pay per mile insurance if you drive less.
Conclusion
Finding affordable SR-22 insurance after a DUI is tough but possible. Progressive, GEICO, and Dairyland are top picks for high risk drivers.
Compare quotes, improve your driving record, and avoid coverage lapses. Over time, your rates will decrease, and you can return to standard insurance.