Cheapest SR-22 Insurance Providers in 2026
State Farm averages $135 a month for SR-22 car insurance with a single DUI. Progressive runs $144. The spread between cheapest and most expensive carrier exceeds $50 monthly, adding up to $1,800 over 3 years.
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Quickfacts
Progressive consistently comes in around $144 per month for a single DUI with clean record otherwise, minimum liability coverage.
State Farm quotes roughly $135 per month for the same profile when bundled with home insurance. Their bundling discount helps offset the high-risk premium.
Dairyland specializes in high-risk drivers and non-owner policies. They undercut most competitors on non-owner SR-22 specifically.
GEICO handles SR-22 but gets stricter if you have multiple violations. Works well for single infractions but will reject or quote high on repeated offenses.
National General offers flexible billing options and runs about $168 per month in comparable quotes. Their non-owner policies are competitive too.
Finding the cheapest sr 22 insurance isn't about picking one car insurance carrier and hoping for the best. Rates for high-risk drivers vary more between companies than standard auto insurance rates do, and the spread between the cheapest and most expensive quote for the same coverage can exceed $50 a month. Over a 3-year filing period, that gap adds up to over $1,800 in savings or overpayment. Who has the cheapest sr 22 insurance depends entirely on your ZIP code, age, violation type, and driving history.
State Farm averages about $135 a month for a single DUI with minimum liability sr22 car insurance. Progressive runs $144. Dairyland sits at $150 and stands out for non-owner sr22 insurance. GEICO comes in at $155 for single infractions. National General runs $168 with flexible billing. Allstate quotes higher at $185 but offers broad coverage options. The only way to know your actual cheapest option is running quotes from three or more carriers side by side.
Provider Pricing Comparison
These rates reflect approximate monthly averages for drivers with a single DUI conviction, no other violations, and minimum liability car insurance coverage. Your actual quote will differ based on where you live, age, and how long ago the violation occurred. The ranking between carriers can flip depending on these variables.
SR-22 Car Insurance Monthly Rates by Provider
| Provider | Monthly Rate | Stands Out For |
|---|---|---|
| State Farm | ~$135 | Bundling savings with home or renters insurance |
| Progressive | ~$144 | Online filing speed and DUI-specific underwriting |
| Dairyland | ~$150 | Non-owner SR-22 car insurance priced below competitors |
| GEICO | ~$155 | Single infractions and first-time SR-22 filers |
| National General | ~$168 | Flexible billing and payment schedules |
| Allstate | ~$185 | Broad car insurance coverage options |
Disclaimer: Rates are approximate monthly averages for 2026 for a single DUI with clean prior record, minimum liability. Actual car insurance premiums depend on state, ZIP code, age, vehicle, and driving history.
Compare the Cheapest SR-22 Rates
Pull SR-22 car insurance quotes from State Farm, Progressive, Dairyland, GEICO side by side.
Matching Carrier to Situation
Not every carrier underwrites high-risk auto insurance the same way. Each company weights different factors in their pricing model, which is why the ranking shifts depending on your specific circumstances.
Getting the Best Car Insurance Rate
Compare three carriers minimum through Affordable Plans with identical coverage limits. Ask about bundling, paid-in-full, and defensive driving discounts. Insurers don't bring these up for high-risk auto insurance applicants. SR-22 insurance near me pricing changes by ZIP code, so comparing locally is the only way to find your actual lowest rate.
Compare the Cheapest SR-22 Rates
Pull SR-22 car insurance quotes from State Farm, Progressive, Dairyland, GEICO side by side.
Frequently Asked Questions
Progressive, Geico, and State Farm often have competitive rates for high-risk drivers.
Yes. They are one of the most popular choices for SR-22 filings.
Yes. They file SR-22 in most states.
They can be competitive, especially for drivers with improving records.
Yes, but options are limited. Some specialty insurers are more lenient.
Compare quotes from at least 3-4 companies that offer high-risk policies.
Yes, if you don’t own a car.
Sometimes. They can shop multiple carriers for you.
Non-owner policy with a company that has low filing fees.
Be careful. Make sure the company is licensed in your state and reliable with claims.
Possible with non-owner policies and clean recent records.
Yes, but they are often more expensive than specialty high-risk insurers.
At least once a year or when your policy renews.
Yes. Some have faster filings and better customer support.
Financial strength, customer reviews, and how easy they make the filing process.
