Cheap SR-22 Auto Insurance 2024 USAA and Progressive offer the most affordable SR-22 auto insurance, as per the analysis by Forbes Advisor. On average, full coverage car insurance with a DUI and an SR-22 costs $2,776 per year with USAA and $2,894 per year with Progressive. The higher cost of SR-22 insurance is primarily due to the increased rates for the violation that necessitated the SR-22, such as a DUI. Depending on the company and state, the SR-22 could potentially add a few hundred dollars more, underscoring the importance of comparison shopping when seeking inexpensive SR-22 insurance.
Cheap SR-22 Auto Insurance Of 2024
Finding cheap SR-22 auto insurance can be a challenge, but it is not impossible. In 2024, there are several options available for individuals who require SR-22 coverage at an affordable price. It is important to shop around and compare quotes from different insurance companies to ensure you are getting the best deal possible. Additionally, maintaining a clean driving record and taking steps to improve your credit score can also help to lower your insurance premiums. By doing your research and exploring all of your options, you can find cheap SR-22 auto insurance that meets your needs without breaking the bank.
The Cheapest SR-22 Insurance Companies
- USAA: $2,776 per year
- Progressive: $2,894 per year
- American Family: $3,053 year
- Erie: $3,099 per year
USAA
Why We Picked It
USAA has fantastic prices for SR-22 insurance among the companies we analyzed. You must be a military member, veteran or military family member to be eligible for USAA auto insurance.
USAA Car Insurance Pros & Cons
Pros
- Cheapest auto insurance for drivers with a DUI who need an SR-22.
- Offers very good rates for drivers with a speeding ticket, accident or DUI on their records.
- Offers non-owner car insurance.
Cons
- Only offers auto insurance to veterans, active military members and their immediate families.
- USAA’s complaint level is just under the industry average. Many of its competitors have a lower level of complaints.
States Available In
- USAA is available in all 50 states and Washington, D.C.
Progressive
Why We Picked It
Progressive is an insurance provider that offers affordable rates for SR-22 insurance to drivers with a DUI on their driving record. An SR-22 filing is a certificate of financial responsibility that proves you have the minimum required auto insurance coverage in your state. It is usually required for drivers who have been convicted of certain offenses, such as DUI or driving without insurance. When shopping for SR-22 insurance, it’s worth considering Progressive as they offer competitive rates and may be able to help you get back on the road after a DUI conviction.
Progressive Insurance Pros & Cons
Pros
- Has the cheapest cost for SR-22 insurance for drivers who don’t qualify for USAA with a military connection.
- Good car insurance rates for drivers with a DUI conviction.
- Offers non-owner insurance.
Cons
Only so-so auto insurance rates for drivers with speeding tickets, who have caused an accident, had a lapse in insurance coverage or have bad credit
States Available In
Progressive, a leading insurance company, is accessible in all 50 states of the United States as well as Washington D.C. Their extensive coverage area makes it easier for individuals across the country to access their insurance products and services. Whether you live on the East Coast or West Coast or anywhere in between, Progressive has got you covered.
American Family
Why We Picked It
If you have been convicted of a DUI, you may need to file an SR-22 form to prove that you have the required insurance coverage. American Family offers competitive rates for SR-22 insurance, making it a great option to consider when shopping for car insurance. By choosing American Family, you can rest assured that your insurance needs will be met while also saving money. It is always important to compare different options before making a final decision on which provider to choose.
American Family Car Insurance Pros & Cons
Pros
- Offers cheap SR-22 insurance compared to many competitors.
- Has very reasonable rates for drivers with a speeding ticket, accident or DUI on their records and also those with poor credit.
- Offers non-owner car insurance.
Cons
- Available in only 19 states.
- Its car insurance costs for young drivers and senior drivers are only mediocre.
American Family Car Insurance Review
States Available In
American Family is available in 19 states:
- Arizona
- Colorado
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Minnesota
- Missouri
- Nebraska
- Nevada
- North Dakota
- Ohio
- Oregon
- South Dakota
- Utah
- Washington
- Wisconsin
Erie
Why We Picked It
For drivers requiring SR-22 insurance, Erie offers affordable rates that are relatively reasonable. Additionally, they provide non-owner auto insurance for those who need an SR-22 filed but do not own a vehicle. This service is particularly useful for individuals who frequently rent or borrow cars and still require proof of coverage. Erie’s non-owner auto insurance ensures that you are covered in case of an accident while driving any vehicle, regardless of ownership. With Erie, you can have peace of mind knowing that you’re covered no matter what the situation may be.
Pros & Cons Of Erie Car Insurance
Pros
- Relatively good car insurance rates for drivers who have caused an accident.
- Great rates for those with a speeding ticket on their records.
- Good prices for adding a teen to a parent’s policy.
Cons
- Has high car insurance costs for drivers with bad credit.
- Is regional and available only in 12 states.
The Cheapest SR-22 Insurance Companies: In More Detail
An SR-22 is not a form of car insurance; instead, it is a document submitted by an insurer to the state as proof of your existing auto insurance coverage. To obtain affordable SR-22 insurance, you need to identify the insurers that offer SR-22 filing in your state, as not all of them do. In order to identify the most cost-effective SR-22 insurance providers, we analyzed the expenses associated with full coverage car insurance for a driver with a DUI conviction necessitating an SR-22.
USAA
USAA has the cheapest SR-22 insurance among the companies we analyzed. USAA’s average SR-22 insurance cost with a DUI is $2,776 a year or $231 a month. USAA has great rates for drivers with a DUI or speeding ticket on their records, so it’s a good fit for drivers who also need an SR-22 filed. USAA also offers non-owner car insurance policies, which can be helpful to those who need an SR-22 but don’t own a vehicle. USAA car insurance is sold only to members of the military, veterans and their families.
Progressive
In case you are ineligible for USAA insurance, Progressive offers the most affordable SR-22 insurance for non-military affiliated drivers compared to the other car insurance companies we assessed. The typical annual cost for Progressive car insurance with an SR-22 and a DUI is $2,894, which amounts to $241 per month. Progressive operates across the country, so if you require an SR-22 filed in a different state, Progressive can assist you. It is advisable to consider Progressive if you are seeking inexpensive SR-22 insurance.
American Family
American Family offers highly competitive rates for drivers with a DUI conviction and requiring an SR-22 filing. The average cost of SR-22 insurance with American Family is $3,053 annually ($254 per month). Whether needing an SR-22 or not, American Family provides affordable rates for drivers with a DUI, speeding ticket, or accident history. Operating in 19 states, American Family is a worthy option to consider when comparing SR-22 insurance quotes in states where their auto insurance is offered.
Erie
Erie offers competitive rates for individuals requiring an SR-22, as well as for drivers with a history of accidents or speeding tickets. For those needing SR-22 insurance with a DUI, Erie car insurance is relatively affordable, averaging $3,099 per year or $258 per month. If you reside in one of the 12 states where Erie operates, it is recommended to include Erie in your list of companies for quote comparisons.
How Much Does an SR-22 Cost by State?
The average annual cost of SR-22 insurance with a DUI conviction is $3,572 nationwide. Idaho offers the lowest rate at $2,174 per year, while Michigan has the highest at $5,629 annually, which is 159% more expensive than Idaho. The provider of the most affordable SR-22 insurance differs by state, so it’s beneficial to compare quotes to avoid overpaying. Research which company provides the most cost-effective SR-22 insurance in your state.
Cheapest SR-22 Companies by State
In some instances USAA was the cheapest, but we have listed the next-cheapest company because USAA auto insurance is only available to veterans, military members and their families.
It is possible to reside in a state that does not have an SR-22 requirement but still be required to submit an SR-22 in another state. This situation may arise if:
- You move to a state without an SR-22 requirement but you have an SR-22 still required in your previous state.
- You are convicted of an infraction, such as a DUI, in a state with an SR-22 requirement but live in a state without one.
In such situations, you will need to locate an auto insurance provider offering SR-22 coverage in both states. This will allow the insurer to issue a policy in your current state and submit the SR-22 in the other state. National insurance companies like Progressive, State Farm, and USAA may be better equipped to assist you with this scenario.
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The Cheapest Car Insurance Companies
American Family Car Insurance Review
Finding cheap SR-22 insurance can be a challenging task, but there are several ways to make the process easier. One way is to shop around and compare rates from multiple insurance companies. You can also consider raising your deductible or reducing your coverage limits to lower your premium. Another option is to take advantage of discounts offered by insurance providers, such as safe driver discounts or multi-policy discounts. Additionally, maintaining a clean driving record and avoiding traffic violations can help keep your insurance rates low.
Shop Around
If you require an SR-22 due to a problem like a DUI conviction, this is the main factor for the increased cost of your car insurance. To address the higher prices, it is advisable to compare quotes from various insurance providers. We suggest obtaining quotes from a minimum of three insurance companies to increase the likelihood of finding affordable SR-22 insurance rates.
Seek Out Discounts
It’s crucial to consider the total cost, therefore, seek out car insurance discounts offered by auto insurers. You might come across discounts for making full upfront payments, opting for paperless transactions, or obtaining a quote before initiating the new policy.
Consider Limiting Your Coverage
It is advisable to opt for higher liability limits to avoid depleting your insurance coverage in the event of a costly accident. However, if you require affordable SR-22 insurance, you might want to consider reducing your coverage to the minimum required by the state for your SR-22. Keep in mind that if you are leasing a car, the leasing company may require you to maintain higher limits on your auto policy.
Buy a Non-Owner Policy
If you require SR-22 insurance but do not own a vehicle, consider obtaining a non-owner policy. This type of car insurance provides liability coverage, which pays for damages or injuries caused by you in a car accident where you are at fault. Since SR-22 filings necessitate liability car insurance, a non-owner policy fulfills this requirement when you do not possess a car. As no specific vehicle is covered under a non-owner policy, it can be more cost-effective than a regular car insurance policy. A non-owner policy extends liability coverage when you borrow or rent a car. However, if you purchase a car while holding a non-owner policy, you will need to upgrade to a standard policy.
How To Get an SR-22
Be sure to follow the necessary measures to obtain the SR-22 within the deadline provided by the state or court. Failure to meet the deadline may result in consequences like a suspension of your license.
Find a Car Insurance Company Offering SR-22 Insurance
Check with your current car insurance provider to see if they offer SR-22 insurance. If they do, make sure to notify them about your situation. If your insurer does not offer SR-22 filing services, start looking for other car insurance companies that do. When searching for a new company, be transparent about your need for an SR-22. It’s not beneficial to switch to a company that won’t file the SR-22 for you. While completing online quote forms, ensure there is a section inquiring about the need for an SR-22 filing. If the form does not have this question, communicate with an agent or continue exploring other insurance options.
Pay the SR-22 Filing Fee
The usual cost for an SR-22 filing is $25. Many auto insurance companies will transfer this cost to you, but certain insurers, like Dairyland, will not bill you for the filing fee.
Your Car Insurance Company Files the SR-22
Typically, your auto insurance provider electronically submits the SR-22 certificate of financial responsibility to the DMV or other mandated entity. In certain states, the form may need to be physically mailed, but it remains the responsibility of your car insurance company to ensure its submission.
Get Confirmation
Please verify with your auto insurance provider that they have submitted your SR-22 filing, and then check with the relevant party to confirm its receipt. Electronic filings are usually processed promptly, but mailed filings may take up to 30 days. The Illinois Secretary of State’s office, for example, states that it may take up to 30 days to process an SR-22. Once this process is complete, you will receive a copy of the SR-22 from your insurance company and a confirmation letter from the secretary of state’s office.
Proof of Car Insurance Besides the SR-22
Depending on the state you reside in, you may come across forms similar to an SR-22. An SR-22 is a form that verifies a driver’s auto insurance coverage, and it is typically required for drivers who have been convicted of certain traffic violations or offenses like driving under the influence (DUI). Other states may have their own version of this form, which serves the same purpose of verifying the driver’s insurance coverage. If you need to obtain an SR-22 or a similar form, it is important to contact your insurance provider for guidance on how to proceed.
SR-21 Insurance
In certain states, an SR-21 is required after an accident to verify that you were insured at the time of the incident. States like Hawaii, New Jersey, and Wyoming utilize the SR-21 form, which, similar to the SR-22, requires your car insurance company to provide the insurance information. In California, the SR-1 is used to report auto accidents resulting in property damage exceeding $1,000, injuries, or death, and to confirm insurance coverage. Arkansas uses the combined SR-1-21 form, which serves as both an SR-1 auto accident report and SR-21 insurance verification, to be completed by your auto insurer.
SR-22A Insurance
The SR-22A form is utilized to validate auto insurance in Georgia, Missouri, and Texas. It confirms that payment has been made in advance for six months of coverage. The specific reasons for needing an SR-22A differ by state and typically involve being in an auto accident without insurance or having multiple driving convictions without coverage.
FR-44 Insurance
The FR-44 is like the SR-22, but it mandates significantly higher car insurance limits. While SR-22s necessitate state-minimum car insurance, the FR-44 is required in Florida and Virginia, usually following a DUI conviction. In Florida, individuals with an FR-44 must obtain liability car insurance with limits of $100,000 per person and $300,000 per accident for bodily injury liability, and $50,000 for property damage (referred to as 100/300/50 coverage). In Virginia, drivers are obligated to carry twice the state minimum limits.
SR-50 Insurance
The SR-50 form is utilized in Indiana for demonstrating the current coverage of car insurance. It resembles the SR-22, but it specifically indicates the effective and expiration dates of your current policy. The Indiana Bureau of Motor Vehicles uses this form to restore your driver’s license following a suspension for lack of insurance, although it ceased to be used in 2013.
Summary
In order to locate the most affordable SR-22 car insurance, we examined the insurance rates for a 30-year-old driver with a DUI conviction and an SR-22, who is seeking insurance for a new Toyota RAV4. The rates encompass $100,000 in bodily injury liability coverage per person, $300,000 per accident, $100,000 in property damage liability (referred to as 100/300/100), uninsured motorist coverage, and any other mandated coverage in the state. The rate also covers collision and comprehensive insurance with a $500 deductible.
Faqs
What is SR-22 insurance?
The SR-22 is not a specific car insurance type, but rather a document that an insurance company is required to submit to the state to confirm that you have an active auto policy. This document is also known as a certificate of financial responsibility. While looking for SR-22 insurance, you are essentially looking for car insurance providers who will issue a policy and handle the submission of the SR-22 form for you.
How long do you need to carry an SR-22?
The duration for which you are required to have an SR-22 varies by state. A common time requirement is three years, but this may be extended based on the offense, and if coverage is dropped or another serious offense is committed. In Idaho, the SR-22 requirement is one year for a first offense of driving without insurance, and three years for each subsequent offense.
How do I find out when my SR-22 expires?
Refer to your state or court paperwork to determine the duration for which you must maintain the SR-22. If you are unable to locate this information, reach out to the relevant authority. It is important not to terminate your car insurance or request the removal of SR-22 coverage from your insurance provider until you are certain that the required period has elapsed, as doing so may result in penalties, including license suspension.
What states don’t require an SR-22?
Not all states mandate an SR-22 after a DUI or other serious traffic offense. The following 12 states do not use the SR-22 form:
- Delaware
- Kentucky
- Maryland
- Minnesota
- New Jersey
- New Mexico
- New York
- North Carolina
- Oklahoma
- Pennsylvania
- Rhode Island
- West Virginia
