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Whether you were just told you need an SR-22 after a DUI, are looking for cheaper coverage during your filing period, or need a non-owner policy — we break down every option in plain English.
SR-22 Insurance
Detailed guide, comparison tables, and calculators.
SR-22 Insurance Cost
Detailed guide, comparison tables, and calculators.
Non-Owner SR-22
Detailed guide, comparison tables, and calculators.
Cheapest SR-22 Insurance
Detailed guide, comparison tables, and calculators.
Best SR-22 Companies
Detailed guide, comparison tables, and calculators.
No Down Payment SR-22
Detailed guide, comparison tables, and calculators.
SR-22 Bad Credit
Detailed guide, comparison tables, and calculators.
FR-44 Insurance
Detailed guide, comparison tables, and calculators.
DUI Car Insurance
Detailed guide, comparison tables, and calculators.
High-Risk Auto Insurance
Detailed guide, comparison tables, and calculators.
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Top SR-22 Insurance Companies
These are the carriers that file SR-22s fastest and offer the most competitive rates for high-risk drivers. Full comparison on our SR-22 companies page.
| Company | SR-22 | FR-44 | Non-Owner | No Down Payment | Starts at |
|---|---|---|---|---|---|
| GEICO | ✓ | ✗ | ✓ | ✗ | $95/mo |
| Progressive | ✓ | ✓ | ✓ | ✗ | $110/mo |
| State Farm | ✓ | ✗ | ✓ | ✗ | $90/mo |
| Allstate | ✓ | ✗ | ✗ | ✗ | $130/mo |
| Dairyland (Sentry) | ✓ | ✓ | ✓ | ✓ | $75/mo |
| The General | ✓ | ✓ | ✓ | ✓ | $85/mo |
SR-22 by State
Rules, filing fees, and average premiums vary dramatically by state. Pick your state for a full breakdown.
Frequently Asked Questions
What is SR-22 insurance?
SR-22 is not insurance itself — it is a certificate your car-insurance carrier files with your state DMV proving you carry at least the state minimum liability coverage. It is typically required for 3 years after a DUI, driving-without-insurance conviction, or certain at-fault accidents.
How much does SR-22 insurance cost per month?
The SR-22 filing fee itself is $15–$25 one time. The rate impact of the underlying policy is much larger: expect $75–$260 per month depending on state, carrier, and violation type. High-risk carriers like Dairyland, The General, and Direct Auto typically beat mainstream carriers after a DUI.
How long do I need to keep an SR-22?
Most states require SR-22 for 3 years, but some states are 2 years (TX, MO) and Florida & Virginia use the higher FR-44 form. Any lapse restarts the clock and triggers an automatic license suspension.
Can I get SR-22 insurance without owning a car?
Yes — this is called a non-owner SR-22 policy. It provides liability coverage while you drive borrowed or rented vehicles and satisfies your state filing requirement. Non-owner policies typically run $30–$70 per month.
Which insurance companies file SR-22?
All major carriers (GEICO, Progressive, State Farm, Allstate) can file SR-22, but non-standard specialists like Dairyland, The General, Direct Auto, and Kemper Specialty usually offer lower rates for high-risk drivers.