State Farm SR-22 Insurance Review (2026)
Bottom line: May non-renew after major violations; check locally. Rates start around $90/month, available in 45+ states, with an AM Best rating of A++.
| Files SR-22 | Yes |
|---|---|
| Files FR-44 (FL / VA) | No |
| Non-Owner SR-22 | Yes |
| No Down Payment | No |
| Bad Credit Friendly | fair |
| State Availability | 45+ states |
| Starting Monthly Rate | $90/mo |
| AM Best Financial Strength | A++ |
Pros
- Competitive starting rate for high-risk drivers
- Non-owner SR-22 available
- Superior AM Best rating (A++)
Cons
- Requires down payment at policy start
- Does not offer FR-44 filing (a problem for FL/VA drivers)
- May decline drivers with poor credit
How State Farm's SR-22 filing works
State Farm 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 State Farm 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 State Farm?
State Farm is a strong choice if you:
- Live in one of the 45+ states where they write policies
- Need a non-owner SR-22 policy
- Are shopping strictly on price
Alternatives to State Farm
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.
- 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 State Farm file SR-22?
Yes. State Farm files SR-22 in 45+ states and typically completes filing electronically within 24–48 hours of policy binding.
How much does State Farm SR-22 insurance cost?
State Farm SR-22 policies start around $90/month, though your actual quote depends on state, driving history, credit, and vehicle. Request a quote to see your personalized rate.
Does State Farm offer non-owner SR-22?
Yes, State Farm offers non-owner SR-22 policies for drivers who need to file but don't own a vehicle.
Does State Farm require a down payment?
Yes, State Farm typically requires a down payment of 15–20% of the 6-month premium at policy start.