How to Get Cheap SR-22 Car Insurance
Progressive and Farm Bureau have the cheapest SR-22 car insurance for major violations like DUI (driving under the influence). Auto-Owners has the cheapest SR-22s for lesser offenses.
Cheapest SR-22 car insurance companies
Progressive and Farm Bureau have the cheapest SR-22 liability insurance
Farm Bureau has the cheapest full coverage
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 | |
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
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
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
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
- Your insurance company usually files the certificate for you when you buy your policy. Make sure to confirm this with the company you choose.
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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
or rent.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.
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
If you have a car loan or lease, you usually also need collision
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
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.
Methodology
LendingTree gets rates from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on car insurance quotes for typical drivers in California, Ohio, Texas, Virginia and Wisconsin. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Minimum liability policies provide liability coverage with the state’s required minimum limits.
Full coverage policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts also rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the NAIC and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military and their spouses and children. If you’re already a USAA member, your spouse and children may also be eligible.