Progressive SR-22 Insurance Review (2026)
Bottom line: Files SR-22 electronically in most states within 24-48 hrs. Rates start around $110/month, available in 50 states, with an AM Best rating of A+.
| Files SR-22 | Yes |
|---|---|
| Files FR-44 (FL / VA) | Yes |
| Non-Owner SR-22 | Yes |
| No Down Payment | No |
| Bad Credit Friendly | good |
| State Availability | 50 states |
| Starting Monthly Rate | $110/mo |
| AM Best Financial Strength | A+ |
Pros
- Offers both SR-22 and FR-44 filing
- Non-owner SR-22 available
- Superior AM Best rating (A+)
- Available in most states
Cons
- Higher than average starting rate
- Requires down payment at policy start
How Progressive's SR-22 filing works
Progressive 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 Progressive SR-22 quote (and compare 3 competitors)
We match you with high-risk carriers who file SR-22 fast — same-day filing available.
Get My Free Quote →Or call 1-800-555-0139 to speak with a licensed agent.
Who should choose Progressive?
Progressive is a strong choice if you:
- Live in one of the 50 states where they write policies
- Need a non-owner SR-22 policy
- Live in Florida or Virginia and need an FR-44
Alternatives to Progressive
Before you commit, get quotes from at least 2 competitors. We recommend:
- GEICO — starts at $95/mo. Widest availability but tighter underwriting after DUI.
- State Farm — starts at $90/mo. May non-renew after major violations; check locally.
- Allstate — starts at $130/mo. Often expensive for high-risk; consider non-standard carriers.
- Dairyland (Sentry) — starts at $75/mo. Purpose-built non-standard carrier. Fast electronic filing.
Frequently Asked Questions
Does Progressive file SR-22?
Yes. Progressive files SR-22 in 50 states and typically completes filing electronically within 24–48 hours of policy binding.
How much does Progressive SR-22 insurance cost?
Progressive SR-22 policies start around $110/month, though your actual quote depends on state, driving history, credit, and vehicle. Request a quote to see your personalized rate.
Does Progressive offer non-owner SR-22?
Yes, Progressive offers non-owner SR-22 policies for drivers who need to file but don't own a vehicle.
Does Progressive require a down payment?
Yes, Progressive typically requires a down payment of 15–20% of the 6-month premium at policy start.