Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 7, 2021

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Key Takeaways

  • SR-22 certification is required for high-risk drivers
  • On average, you could pay 90% more when an SR-22 certification is attached to your car insurance
  • High-risk drivers that don’t own a car must enroll in non-owner SR-22 auto insurance

Are you looking for the best auto insurance companies for SR-22? SR-22 certification drives up your car insurance rates, but finding the right company can keep your monthly payments low.

Which car insurance companies offer SR-22? And do auto insurance companies provide non-owner SR-22 insurance? Read on to learn how you can secure affordable SR-22 car insurance and where you can get SR-22 insurance without a vehicle.

After you learn about the best car insurance companies for SR-22, enter your ZIP code in the free online tool above to compare multiple insurance companies in your area.

Which companies have the cheapest SR-22 car insurance rates?

SR-22 car insurance quotes are determined primarily by your driving record. Multiple traffic violations, accidents, and DUI convictions can increase your monthly rates.

Multiple infractions on your record can put you in a high-risk pool, which may lead to SR-22 certification.

Let’s look at how much auto insurance goes up based on various violations:

Average Monthly Car Insurance Rates by Company and Driving Record
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292

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USAA is the most affordable company, but it’s only available to military veterans and their immediate families.

GEICO, American Family, and State Farm are likely the best choices for cheaper auto insurance.

Speeding violations have the least significant impact on your car insurance rates. Accidents and DUI convictions increase your monthly insurance costs the most.

You can look at the rates for drivers with accidents and DUIs to get an idea of how much your SR-22 car insurance will cost.

When you get driving violations, auto insurance companies believe it increases your chance of filing a claim.

Also, your state responds to multiple driving infractions by enforcing SR-22, SR-50, or FR-44 regulations.

But each state is different. Read on to see the average rates for SR-22 auto insurance.

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How much is SR-22 car insurance?

To file an SR-22, you must pay a filing fee that’s between $15 and $35. The cost depends on the risk of the driver.

But the monthly payments for SR-22 car insurance vary. Let’s explore the cost of SR-22 auto insurance rates:

Average Monthly Car Insurance Rates by State
StatesAverage Monthly Car Insurance RatesAverage Monthly SR-22 Car Insurance RatesPercent IncreaseDollar Increase
Alabama$109$20689%$97
Alaska$104$16256%$58
Arizona$117$298156%$182
Arkansas$130$22876%$98
California$149$427187%$278
Colorado$140$24979%$110
Connecticut$165$25957%$94
Washington, D.C.$157$24556%$88
Delaware$153$29492%$141
Florida$188$31568%$128
Georgia$151$28286%$130
Hawaii$105$372256%$267
Idaho$85$15077%$65
Illinois$98$18589%$87
Indiana$88$13048%$42
Iowa$89$16078%$70
Kansas$118$19364%$75
Kentucky$134$22668%$92
Louisiana$186$30162%$115
Maine$74$11151%$37
Maryland$128$16931%$40
Massachusetts$135$26798%$132
Michigan$197$694252%$496
Minnesota$112$21895%$106
Mississippi$125$21168%$86
Missouri$107$18674%$79
Montana$132$22772%$95
Nebraska$107$19279%$85
Nevada$132$20758%$76
New Hampshire$96$16774%$71
New Jersey$118$321171%$203
New Mexico$125$22883%$103
New York$101$15553%$53
North Carolina$98$464375%$366
North Dakota$94$16778%$73
Ohio$80$14277%$62
Oklahoma$122$18350%$61
Oregon$110$19173%$81
Pennsylvania$120$19462%$74
Rhode Island$168$30280%$135
South Carolina$113$19876%$86
South Dakota$104$18780%$83
Tennessee$112$19675%$84
Texas$137$22564%$88
Utah$101$16766%$66
Vermont$97$14953%$52
Virginia$83$14170%$58
Washington$109$18469%$75
West Virginia$122$23189%$108
Wisconsin$96$15056%$54
Wyoming$131$22974%$98

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Arizona, California, Hawaii, Michigan, North Carolina, and New Jersey are states where SR-22 certification increases car insurance rates by over 100%.

However, your auto insurance rates are specific to you and partly based on factors like your age, gender, marital status, and credit score.

How much is SR-22 car insurance at smaller companies?

If the top insurance companies are too expensive, try a smaller company. Here are three companies that provide cheap SR-22 auto insurance:

  • Farm Bureau – $74/month
  • Erie Insurance – $74/month
  • Country Financial – $94/month

According to the National Association of Insurance Commissioners (NAIC), the average liability-only insurance rate is $46 per month.

SR-22 insurance typically features only the minimum auto insurance requirements. If you include SR-22 with full coverage, you could save over $100 per month. It all depends on the state.

How do I get an SR-22 certification?

Your state will declare you a high-risk driver after so many driving violations. The local court may order you to take a driving course in addition to SR-22 certification.

Contact your auto insurance company and tell them you need an SR-22. The car insurance company will submit your SR-22 certification after you pay your filing fee.

SR-22 isn’t actually a type of insurance. Your SR-22 certification says that you’re a high-risk driver but you have current insurance with the minimum car insurance requirements.

When is SR-22 certification required?

SR-22 may be needed for various reasons. Here are a few reasons why you might need SR-22 certification.

  • Driver license suspension as a result of a major conviction
  • Point system suspension or habitual traffic offender revocation
  • Uninsured automobile accidents that meet the reporting criteria
  • Court conviction for no proof of insurance (PIP/PDL SR-22)

State legislators use SR-22 to deter negligent driving habits. Auto insurance companies follow up and issue more expensive rates.

Can I get non-owner SR-22 car insurance?

The short answer is yes. Non-owner auto insurance is available to drivers who need SR-22 but don’t own a car.

Non-owner car insurance is required for motorists who share a vehicle with a family member, friend, or roommate and it’s too expensive to add a high-risk driver to one of their auto insurance policies.

You can get non-owner car insurance for $174 per month at some car insurance companies, but the policy is likely liability-only coverage.

How long do I need to have SR-22 car insurance?

SR-22 status lasts for three years. After the three years have passed, your auto insurance company will determine whether you’re still a risk.

If you’re still in the high-risk pool, you’ll have to reapply for SR-22 certification.

You can’t cancel SR-22, and it’s not a good idea to suspend your coverage. As long as you’re using a motor vehicle, you’ll need to remain insured.

How to Find the Best Cheap Car Insurance Companies for SR-22

It’s challenging to find affordable SR-22 auto insurance. SR-22 certification is tied to high-risk car insurance, so your rates are usually more expensive.

Before you buy SR-22 car insurance, use our free comparison tool to shop around with the best car insurance companies for SR-22 and secure the best rates.

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Frequently Asked Questions: The Best Cheap Car Insurance Companies for SR-22

Do you want to learn more about SR-22 insurance? Here are some answers to a few frequently asked questions.

#1 – Are there any alternatives to SR-22?

The answer is yes. If you’ve been in an accident or gotten a traffic ticket, some states require you to have SR-21.

SR-22A requires repeat offenders to pay off their car insurance bills in six months. Meanwhile, SR-50 is Indiana’s version of SR-22.

Finally, FR-44 is strictly for Florida and Virginia drivers who’ve been convicted of DUI/DWI.

#2 – Can you get car insurance discounts with SR-22?

Yes, you can. Anti-theft and safety features on a vehicle can save you up to 15% on auto insurance. Look for other discounts to stack on your savings to lower car insurance rates.

#3 – Will I lose my driver’s license if I don’t have SR-22?

The short answer is yes. Refusing to get SR-22 after a court or state order can result in a suspended or revoked driver’s license.