Best SR-22 Insurance Companies: 2026 Comparison
Quick answer: The best SR-22 insurance company depends on your situation. For lowest price: Dairyland. For fastest filing: Progressive. For no down payment: The General or Direct Auto. For military: USAA.
Full comparison of 11 SR-22 insurance companies
| Company | SR-22 | FR-44 | Non-Owner | No Down Pmt | Bad Credit | States | Starts At | AM Best |
|---|---|---|---|---|---|---|---|---|
| GEICO | ✓ | ✗ | ✓ | ✗ | fair | 50 states | $95/mo | A++ |
| Progressive | ✓ | ✓ | ✓ | ✗ | good | 50 states | $110/mo | A+ |
| State Farm | ✓ | ✗ | ✓ | ✗ | fair | 45+ states | $90/mo | A++ |
| Allstate | ✓ | ✗ | ✗ | ✗ | fair | 40+ states | $130/mo | A+ |
| Dairyland (Sentry) | ✓ | ✓ | ✓ | ✓ | excellent | 37 states | $75/mo | A |
| The General | ✓ | ✓ | ✓ | ✓ | excellent | 46 states | $85/mo | A- |
| Direct Auto | ✓ | ✓ | ✓ | ✓ | excellent | 13 Southern states | $80/mo | A- |
| Kemper Specialty | ✓ | ✓ | ✓ | ✓ | excellent | 30+ states | $88/mo | A- |
| Acceptance Insurance | ✓ | ✓ | ✓ | ✓ | excellent | 17 states | $95/mo | B++ |
| National General | ✓ | ✗ | ✓ | ✗ | good | 50 states | $100/mo | A |
| Bristol West (Farmers) | ✓ | ✓ | ✓ | ✓ | excellent | 42 states | $92/mo | A |
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Individual company reviews
GEICO
Widest availability but tighter underwriting after DUI.
Progressive
Files SR-22 electronically in most states within 24-48 hrs.
State Farm
May non-renew after major violations; check locally.
Allstate
Often expensive for high-risk; consider non-standard carriers.
Dairyland (Sentry)
Purpose-built non-standard carrier. Fast electronic filing.
The General
Low down-payment options and monthly billing.
Direct Auto
Regional; strong for SR-22 in TX, GA, TN, MS.
Kemper Specialty
Popular through independent agents.
Acceptance Insurance
Storefront locations useful for cash payments.
National General
Owned by Allstate; broader non-standard book.
Bristol West (Farmers)
Non-standard arm of Farmers Insurance.
How we ranked these companies
Our ranking considers 6 factors, weighted for the needs of SR-22 filers specifically:
- Price for high-risk drivers (30%) — starting monthly premium for SR-22 policies
- Filing speed (20%) — how fast the carrier files SR-22 with the DMV
- State availability (15%) — how many states the carrier writes in
- Financial strength (15%) — AM Best rating
- Coverage options (10%) — FR-44, non-owner, no-down-payment availability
- Customer complaint index (10%) — NAIC complaint data
Frequently Asked Questions
Which companies file SR-22?
All 11 major carriers we track file SR-22: GEICO, Progressive, State Farm, Allstate, Dairyland, The General, Direct Auto, Kemper Specialty, Acceptance, National General, and Bristol West. Availability and price vary significantly by state.
Which company has the fastest SR-22 filing?
Dairyland, The General, and Progressive typically file SR-22 electronically within 24 hours of policy binding, and often same-day if bound before the daily DMV upload cutoff (usually 3–4 PM local time).
Which company is best for SR-22 after DUI?
For pure price after a DUI, Dairyland ($75/mo) and The General ($85/mo) are usually the best. If you want stronger customer service and a mobile app, Progressive is the best mainstream option.