How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- GEICO and Progressive are the strongest starting points for most SR22 drivers because both have wide availability, online quotes, and non-owner policies for drivers without a car.
- Dairyland and Kemper are worth a quote when larger national carriers decline you or quote a price that is far above the rest, since both work with higher-risk drivers.
- USAA can be a strong value, but it is limited to military members, veterans, and eligible family members, so most readers cannot buy it.
- A lapsed policy during an SR22 period can restart the filing period in many states, so payment flexibility and clear renewal reminders matter as much as the first quote.
- Always compare quotes with identical liability limits, deductibles, and filing fees, or the cheapest quote on paper may not be the cheapest policy in practice.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 GEICO | Lowest-cost starting quote for many drivers | See website | No |
 Progressive | Discounts and flexible payment options | See website | No |
 Allstate | Local agents and broad coverage options | See website | No |
 USAA | Military members and eligible families | See website | No |
 Dairyland | High-risk drivers and coverage lapses | See website | No |
 Kemper | Hard-to-insure drivers needing a basic policy | See website | No |
 Travelers | Drivers who want strong service and stable rates | See website | No |
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The best insurance companies for SR22
#1
GEICO
Best for: Lowest-cost starting quote for many drivers
Visit geico.com
Starting priceSee website
Free planNo
GEICO is a sensible first quote for most SR22 drivers. It is one of the largest auto insurers in the country, it sells in most states, and its online quote flow lets you add an SR22 filing and see how different limits change the price. That speed matters when you are trying to reinstate a license on a deadline. The company also offers non-owner insurance, which covers drivers who need an SR22 but do not own a car. That option is easy to overlook, and it can be the difference between meeting a court or DMV requirement and waiting weeks for a policy that fits.
The honest catch is that a GEICO quote is not a promise. Your rate will reflect your violation, your state, and your coverage history, and an SR22 filing can still raise the premium sharply. GEICO also sells direct, so you may get phone or online support instead of a neighborhood office. Ask for the filing fee and the total amount due at signup before you commit.
What we like- Wide state availability
- Online quotes and policy management
- Non-owner policies for drivers without a car
Watch out for- SR22 availability and filing rules vary by state
- Discounts vary and may not offset a high-risk surcharge
Starting priceSee website
Free planNo
Progressive has built much of its business around drivers other insurers price out, and SR22 filings fit that history. It offers non-owner coverage, a broad discount list, and a quote process that lets you test liability-only coverage against full coverage. For drivers with a financed car, that comparison is useful, because a lender will usually require collision and comprehensive coverage even if the state only requires liability. Progressive also gives you several ways to pay, which helps when the first bill after a suspension is larger than expected.
The trade-off is consistency. Progressive can be the cheapest quote in one state and a mid-priced quote in another. Discounts help, but they rarely erase a DUI surcharge on their own. Check the filing fee, ask how long filing takes, and confirm the policy start date lines up with the date your state needs coverage to begin.
What we like- Long list of discounts
- Non-owner policies available
- Claims and policy tools work well online
Watch out for- Rates vary widely by state and violation
- Some discounts require enrollment in a driving program
Starting priceSee website
Free planNo
Allstate fits drivers who want a person to call when the filing gets confusing. Local agents can explain what your state requires, which limits meet the requirement, and what happens if you change cars or move during the filing period. That help has real value when a DMV letter uses terms that do not match the language on a quote page. Allstate also offers a wide set of add-ons, from roadside help to rental coverage, so you can build a policy that goes beyond the state minimum if you have assets to protect or a car loan to satisfy.
Price is the main drawback. Agent-supported carriers often quote above direct sellers for the same high-risk driver, and Allstate is no exception in many states. Compare it with a direct quote on identical limits, and confirm in writing that the SR22 filing is included and has been sent to the state.
What we like- Local agents in many areas
- Broad add-on coverage choices
- App-based policy and claims management
Watch out for- Quotes can run higher than direct carriers for high-risk drivers
- SR22 rules and fees vary by state
#4
USAA
Best for: Military members and eligible families
Visit usaa.com
Starting priceSee website
Free planNo
USAA is included here with a clear limit: you can only buy it if you are a current or former military member, or an eligible family member. If you qualify, it deserves a quote near the top of your list. Members often report lower premiums than comparable carriers, and USAA pairs auto coverage with banking and other financial products that can make bundling simple. Its online tools and phone support are built for members who move often, which is useful when an SR22 filing follows you across a move or a deployment-related change of address.
If you do not qualify, skip USAA and spend that time on another quote. For eligible drivers, confirm SR22 availability in your state and check the total cost with the same limits you use for other quotes. Set up autopay or reminders for every installment during the filing period.
What we like- Strong customer service record for members
- Bundling discounts for auto and home
- Clear online account tools
Watch out for- Membership is limited to the military community and eligible family
- Not an option for most SR22 shoppers
Starting priceSee website
Free planNo
Dairyland, part of the Sentry Insurance Group, has served drivers with violations, lapses in coverage, and foreign licenses for decades. That focus makes it a practical second or third quote when a large carrier declines you or offers a price that feels out of reach. The company will file an SR22 on your behalf where it offers coverage, and it offers flexible payment plans that can make the first month easier to manage. Non-owner coverage is also available, which matters for drivers who need to prove financial responsibility without owning a car.
The limits are worth noting. Dairyland does not have the same footprint as GEICO or Progressive, and its agent network varies by state. You may work through an independent agent rather than buying direct. Get a quote with the same limits as your other options, and ask about the filing timeline and missed-payment rules.
What we like- Experience with high-risk drivers
- Flexible payment plans
- Non-owner policies available
Watch out for- Smaller national footprint than the largest carriers
- Fewer add-on options in some states
#6
Kemper
Best for: Hard-to-insure drivers needing a basic policy
Visit kemper.com
Starting priceSee website
Free planNo
Kemper is a useful option when the goal is a basic, affordable policy that satisfies an SR22 requirement. The company focuses on personal auto and life insurance, and it has a long history of covering drivers with poor records, low credit scores, or several violations. That history matters, because a carrier that regularly insures high-risk drivers is less likely to decline you outright for a single serious violation. Kemper also works through agents and brokers, which can help if you need help with paperwork or payment options.
The catch is breadth. Kemper offers fewer extras than Allstate or Travelers, and its app and online tools are not as strong as those of the largest direct carriers. Treat Kemper as a price and acceptance check: if it quotes well and files promptly, it can be a solid SR22 carrier for the filing period.
What we like- Focus on affordable auto coverage
- Accepts many high-risk drivers
- Bilingual agent support in many areas
Watch out for- Limited add-ons compared with larger carriers
- Digital tools are less polished than some rivals
Starting priceSee website
Free planNo
Travelers is one of the oldest and largest insurers in this list, and it fits SR22 drivers who value stability and service over the lowest possible quote. It offers a broad set of auto coverages, works through independent agents in many states, and has a strong record for claims handling and financial strength. For a driver with a single older violation, or a violation that is several years old, Travelers can quote competitively and offer a policy that is easy to keep in force. That steadiness counts during a multi-year filing period.
The main risk is selectivity. Travelers may price a recent DUI or a pattern of violations higher than a high-risk specialist, and it may decline some drivers outright. Compare it on identical limits, ask about the filing fee and timeline, and confirm the renewal process.
What we like- Strong financial strength and service record
- Agent network in many states
- Broad coverage options
Watch out for- Can be selective about high-risk drivers
- Quotes vary sharply by state and violation
How we chose
We compared insurers that file SR22 forms in the United States, using their own websites, pricing and coverage pages, public documentation about SR22 availability, and public reviews on sites such as G2, Capterra, and Reddit where drivers discuss filing speed, payment problems, and claims service. We favored carriers with wide state availability, non-owner options, clear filing support, and payment plans that reduce the risk of a lapse. No quote in this guide is a personal rate, since SR22 premiums depend on your state, record, car, and limits.
What to check before you buy an SR22 policy
An SR22 policy looks like a normal auto policy on the surface, but the filing adds rules that can trip you up. Use the checks below before you pay, and keep a copy of every confirmation your insurer sends.
Confirm the filing, not just the policy
Buying a policy is not the same as filing an SR22. Ask the insurer to confirm, in writing, that it will file the SR22 with your state, which form your state uses (SR22, FR44, or a state-specific form), and how long the filing takes. Some states require an FR44 with higher liability limits, often after a DUI, so do not assume the standard SR22 limits apply. If you buy online, check your policy documents for the filing endorsement and call the insurer if it is missing. A policy without a filed form will not reinstate your license.
Match limits across every quote
Insurers quote different limits by default, and that makes comparison shopping misleading. Pick one set of limits first, such as your state minimum or a higher limit if you have savings, a home, or a financed car to protect, then ask every carrier to quote that exact set. Add the SR22 filing fee to each total, and compare the amount due at signup as well as the monthly installment. A quote that looks low per month can cost more over six months once fees and installments are counted.
Protect the filing period from a lapse
Most states require continuous coverage for one to three years, and some require longer after repeat offenses. If coverage lapses, your insurer reports it to the state, and the period can restart from the beginning. Choose a payment plan you can keep, set up autopay if your bank balance allows it, and keep a backup reminder a few days before each due date. If you change cars, move, or switch insurers, overlap the old and new policies by at least a day so there is no gap in coverage.
Decide between liability only and full coverage
State minimum liability is the cheapest way to satisfy an SR22, but it only pays for damage you cause to others. It does not repair your own car after a crash, theft, or storm. If you have a loan or lease, your lender will almost always require collision and comprehensive coverage. If you own an older car outright, liability only may be a fair choice, but weigh the cost of replacing the car against the premium savings. Ask each insurer to price both options so the choice is based on numbers, not guesswork.
A short note on price and risk
This guide is general information, not a quote and not financial advice. SR22 rates change with your state, record, car, and limits. Get at least three quotes, read the policy documents, and confirm the filing with your state DMV before you drive.
Frequently asked questions
What is an SR22?
An SR22 is a certificate your insurer files with the state to prove you carry at least the minimum liability insurance your state requires. It is not a separate insurance policy. You buy a normal auto policy, and the insurer adds the filing and reports it to the state for the required period.
How long do I need an SR22?
Most states require an SR22 for one to three years, but the period depends on your state and your violation. Repeat offenses and serious violations can lead to a longer period. Your state DMV or court order will state the required length, and a lapse in coverage can restart the clock in many states.
Can I get an SR22 if I do not own a car?
Yes, in many states you can buy a non-owner policy with an SR22 filing. Non-owner coverage provides liability protection when you drive a car you do not own, and it satisfies the financial responsibility filing in states that accept it. GEICO, Progressive, and Dairyland are among the carriers that offer non-owner options, subject to state rules.
How much does SR22 insurance cost?
There is no single SR22 price, because the premium depends on your state, your driving record, your car, your limits, and the insurer. The filing fee itself is often small, usually in the range insurers charge for processing the form, while the larger cost comes from the higher premium for a high-risk driver. Compare quotes with identical limits to see the real difference.
Does an SR22 raise my insurance rate?
In most cases, yes, because the violation that triggered the SR22 also raises your risk rating. The size of the increase varies by carrier, state, and violation, and some carriers raise rates less than others for the same driver. Shopping with several carriers is the most reliable way to limit the increase, since each company weighs violations differently.
What happens if my SR22 policy lapses?
If your policy lapses during the filing period, your insurer must notify the state, and your license can be suspended again. In many states the filing period restarts once you get new coverage and a new filing. To avoid that outcome, keep payments current, overlap policies when you switch carriers, and contact your insurer at once if a payment fails.
Sources we checked (9)
- https://www.geico.com
- https://www.progressive.com
- https://www.allstate.com
- https://www.usaa.com
- https://www.dairylandinsurance.com
- https://www.kemper.com
- https://www.travelers.com
- https://wallethub.com/edu/ci/best-sr22-insurance/96954
- https://www.moneygeek.com/insurance/auto/sr22-car-insurance-kansas/
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.