Allstate SR-22 Insurance Review (2026)
Bottom line: Often expensive for high-risk; consider non-standard carriers. Rates start around $130/month, available in 40+ states, with an AM Best rating of A+.
| Files SR-22 | Yes |
|---|---|
| Files FR-44 (FL / VA) | No |
| Non-Owner SR-22 | No |
| No Down Payment | No |
| Bad Credit Friendly | fair |
| State Availability | 40+ states |
| Starting Monthly Rate | $130/mo |
| AM Best Financial Strength | A+ |
Pros
- Superior AM Best rating (A+)
Cons
- Higher than average starting rate
- Requires down payment at policy start
- Does not offer FR-44 filing (a problem for FL/VA drivers)
- No non-owner SR-22 option
- May decline drivers with poor credit
- Limited state availability (40+ states)
How Allstate's SR-22 filing works
Allstate files your SR-22 electronically with the state DMV once your policy is bound and the down payment (if any) is paid. You will receive a copy of the SR-22 form by email within 24–48 hours. If you signed up before the carrier's daily DMV upload cutoff (usually 3–4 PM local time), filing may happen same-day.
Ask your agent for a written confirmation once the DMV acknowledges receipt — some states charge a separate reinstatement fee before your license is reactivated.
Get a Allstate SR-22 quote (and compare 3 competitors)
We match you with high-risk carriers who file SR-22 fast — same-day filing available.
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Who should choose Allstate?
Allstate is a strong choice if you:
- Live in one of the 40+ states where they write policies
Alternatives to Allstate
Before you commit, get quotes from at least 2 competitors. We recommend:
- GEICO — starts at $95/mo. Widest availability but tighter underwriting after DUI.
- Progressive — starts at $110/mo. Files SR-22 electronically in most states within 24-48 hrs.
- State Farm — starts at $90/mo. May non-renew after major violations; check locally.
- Dairyland (Sentry) — starts at $75/mo. Purpose-built non-standard carrier. Fast electronic filing.
Frequently Asked Questions
Does Allstate file SR-22?
Yes. Allstate files SR-22 in 40+ states and typically completes filing electronically within 24–48 hours of policy binding.
How much does Allstate SR-22 insurance cost?
Allstate SR-22 policies start around $130/month, though your actual quote depends on state, driving history, credit, and vehicle. Request a quote to see your personalized rate.
Does Allstate offer non-owner SR-22?
No, Allstate does not currently offer non-owner SR-22. Consider Dairyland, Progressive, or The General instead.
Does Allstate require a down payment?
Yes, Allstate typically requires a down payment of 15–20% of the 6-month premium at policy start.