Is It Possible to Find Cheap SR22 Insurance?
Last Updated on September 26, 2022
An SR-22 is a financial obligation certification typically required by the state when a person without liability insurance gets into an accident or is otherwise found to be without legally mandated coverage. Sometimes they are required by drivers who are seeking to reinstate their driving privileges following a DUI or another offense. The biggest problem facing drivers who need the SR-22 form is that SR-22 insurance rates can be sky-high. Fortunately, you can use some methods and tricks to get cheap SR22 rates. Below, we’ll present some of the ways you can find cheap auto insurance even if you require an SR22.
What Is an SR-22 Form? Who Needs It?
An SR22 is technically a piece of paper proving the financial responsibility of the policyholder. If you meet certain conditions, you will be forced to carry this proof with you wherever you drive until the SR-22 designation is removed.
An SR-22 is sometimes called a certificate of insurance. It is an auto liability insurance document required by most state DMVs for “high-risk” insurance policies.
To be perfectly accurate, an SR-22 is not really insurance coverage. It is merely a certificate your car insurer puts on record with the state you live in. It simply verifies you have coverage. You’ll need an SR-22 if the courts require you to get one.
Finding Cheap SR-22 Insurance
No one wants to be in the position of looking for SR-22 insurance, but yes, it is possible to find cheap SR-22 insurance.
If you find yourself needing SR-22 insurance, you can do things that make the process of getting it as smooth and painless as possible. You definitely don’t want to pay more than you have to for this specialized type of car insurance.
Three Tips For Finding Cheap SR-22 Insurance Rates
#1. Call your auto insurance company
Your search for affordable SR-22 insurance quotes should start with your current auto insurance provider. Major insurers such as Allstate, GEICO, The General, Farmers, State Farm, Nationwide, USAA, Liberty Mutual, AAA, and Progressive can all file the SR-22 certificate on your behalf. Give them a ring and ask them about their rates for getting set up with an SR-22 certificate before you start looking elsewhere. If anything, it’s easier. Why should you have to sign up with a whole new company just to get SR-22 insurance? It’s already hard enough having to deal with an SR-22 situation in the first place.
View the table below to see which companies offer SR-22 insurance in your state:
| State | Companies Sell SR-22 Insurance |
|---|---|
| Alabama | Acceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Direct General, Esurance, Everest National, Farmers, Foremost, GEICO, Good2Go, Infinity, Jupiter Auto, Mendota, National General, Progressive, Safeco, Safeway, The General, Titan, Victoria |
| Alaska | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General |
| Arizona | Acceptance, Ameriprise, Anchor, AssuranceAmerica, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Legacy, Mendota, Mercury, National General, Pekin, Progressive, SafeAuto, Safeco, Safeway, State Auto, Stillwater, The General, Titan, United Auto, Victoria |
| Arkansas | Ameriprise, Consumers Insurance, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Hallmark, Infinity, Jupiter Auto, Mendota, National General, Progressive, Safeco, Safeway, The General, United Auto, Victoria |
| California | 21st Century, Acceptance, Affirmative, Alliance United, Anchor, Aspire, Carnegie Insurance, Dairyland, Esurance, Everest National, Farmers, Foremost, Freedom National, GEICO, Good2Go, Infinity, Kemper, Legacy, Mendota, National General, Personable Insurance, Progressive, Reliant, RMIS, Safeco, SCJ, Stillwater, The General, Titan, Victoria, Workmens |
| Colorado | Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Legacy, Mendota, National General, Progressive, Safeco, Safeway, State Auto, The General, Titan, Victoria |
| Connecticut | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Victoria |
| Delaware | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan |
| District of Columbia | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Victoria |
| Florida | Acceptance, Ameriprise, AssuranceAmerica, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Infinity, Mendota, Mercury, National General, Progressive, Safeco, Stillwater, The General, Titan, United Auto, Victoria |
| Georgia | Acceptance, Aggressive, Ameriprise, AssuranceAmerica, Dairyland, Direct General, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Infinity, Jupiter Auto, Mendota, Mercury, National General, Progressive, SafeAuto, Safeco, Safeway, The General, Titan, United Auto, Victoria |
| Hawaii | 21st Century, Dairyland, Esurance, Farmers, First Hawaii, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Idaho, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, Stillwater, The General, Victoria |
| Idaho | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, Stillwater, The General, Victoria |
| Illinois | Acceptance, Affirmative, Ameriprise, Consumers Insurance, Dairyland, Direct General, Elephant, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Hallmark, Mendota, Mercury, National General, Pekin, Progressive, SafeAuto, Safeco, Safeway, State Auto, Stillwater, The General, Titan, United Auto, Victoria, West Bend Mutual |
| Indiana | Acceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Elephant, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Hallmark, Mendota, National General, Pekin, Progressive, SafeAuto, Safeco, State Auto, Stillwater, The General, Titan, Victoria, West Bend Mutual |
| Iowa | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Mendota, National General, North Star, Pekin, Progressive, Safeco, The General, Victoria, West Bend Mutual |
| Kansas | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, North Star, Progressive, SafeAuto, Safeco, The General, West Bend Mutual |
| Kentucky | Ameriprise, Dairyland, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Grange, Hallmark, National General, Progressive, SafeAuto, Safeco, The General, Victoria, West Bend Mutual |
| Louisiana | Affirmative, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, SafeAuto, Safeco, Safeway, The General |
| Maine | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Patriot, Progressive, Safeco, The General |
| Maryland | Ameriprise, Brethren Mutual, Cumberland, Dairyland, Elephant, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Titan, Victoria |
| Massachusetts | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Occidental, Progressive, Safeco, Safety, The General, Victoria |
| Michigan | Ameriprise, Dairyland, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Frankenmuth, GEICO, Good2Go, Grange, Merchants, National General, Progressive, Safeco, The General, West Bend Mutual |
| Minnesota | Dairyland, Esurance, Farmers, Foremost, GEICO, Grange, Grinnell, Mendota, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, West Bend Mutual |
| Mississippi | Acceptance, Ameriprise, Dairyland, Direct General, Esurance, Farmers, Foremost, GEICO, Mendota, National General, Progressive, SafeAuto, Safeco, Safeway, The General, Titan, United Auto, Victoria |
| Missouri | Acceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Direct General, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, Mendota, National General, Progressive, SafeAuto, Safeco, Stillwater, The General, Victoria, West Bend Mutual |
| Montana | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Victoria |
| Nebraska | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, West Bend Mutual |
| Nevada | Acceptance, Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, Infinity, Mendota, Mercury, National General, Progressive, Safeco, Stillwater, The General, Titan, United Auto, Victoria |
| New Hampshire | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Patriot, Progressive, Safeco, Safety, The General |
| New Jersey | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, Mercury, National General, Progressive, Safeco, The General |
| New Mexico | Acceptance, Ameriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Mendota, National General, Progressive, Safeco, Safeway, Stillwater, The General, Titan, Victoria |
| New York | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, Mercury, National General, Progressive, Safeco, The General, Victoria |
| North Carolina | Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan |
| North Dakota | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, The General, Victoria |
| Ohio | Acceptance, Ameriprise, Dairyland, Esurance, Farmers, Foremost, Founders, Frankenmuth, GEICO, Good2Go, Grange, Grinnell, Hallmark, Merchants, National General, Pekin, Progressive, SafeAuto, Safeco, State Auto, Stillwater, The General, Titan, Victoria, West Bend Mutual |
| Oklahoma | Ameriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grinnell, Hallmark, Jupiter Auto, Mercury, National General, North Star, Progressive, SafeAuto, Safeco, The General, United Auto, Victoria |
| Oregon | Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, PEMCO, Progressive, Safeco, Stillwater, The General, Victoria |
| Pennsylvania | Acceptance, Ameriprise, Brethren Mutual, Cumberland, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Infinity, Merchants, National General, Progressive, SafeAuto, Safeco, The General, Titan, Victoria |
| Rhode Island | Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Progressive, Safeco, Stillwater, The General |
| South Carolina | Acceptance, Ameriprise, AssuranceAmerica, Dairyland, Direct General, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, National General, Progressive, SafeAuto, Safeco, The General, Titan, United Auto, Victoria |
| South Dakota | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, The General |
| Tennessee | Acceptance, Consumers Insurance, Dairyland, Direct General, Elephant, Esurance, Everest National, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Hallmark, Jupiter Auto, Mendota, National General, Progressive, SafeAuto, Safeco, Safeway, Stillwater, The General, Titan, Victoria |
| Texas | Acceptance, Affirmative, Aggressive, Ameriprise, Anchor, AssuranceAmerica, Carnegie Insurance, Dairyland, Direct General, Elephant, Esurance, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Infinity, Jupiter Auto, Mendota, Mercury, National General, Personable Insurance, Progressive, SafeAuto, Safeco, Safeway, Star Canyon, Stillwater, The General, Titan, United Auto, Victoria |
| Utah | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Mendota, National General, Progressive, Safeco, Stillwater, The General, United Auto, Victoria |
| Vermont | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Patriot, Progressive, Safeco, The General |
| Virginia | Acceptance, Ameriprise, AssuranceAmerica, Brethren Mutual, Consumers Insurance, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Mendota, Mercury, National General, Progressive, SafeAuto, Safeco, Stillwater, The General, Titan, Victoria |
| Washington | Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Hallmark, National General, PEMCO, Progressive, Safeco, Stillwater, The General, Titan |
| West Virginia | Ameriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan, Victoria |
| Wisconsin | Ameriprise, Dairyland, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Mendota, National General, Pekin, Progressive, Safeco, State Auto, Stillwater, The General, Victoria, West Bend Mutual |
| Wyoming | Dairyland, Esurance, Farmers, Foremost, GEICO, National General, Progressive, Safeco, The General |
#2. Use a car insurance quote comparison site
There are innumerable car insurance quote comparison sites online, and many of them are set up to spit out SR-22 quotes, specifically. Some people don’t mind spending a little extra time searching for SR-22 insurance quotes because they want to save money. Try to compare as many price quotes as possible. It is no different than looking for a standard car insurance policy.
#3. Get in touch with driver safety schools
In many areas, the state mandates driver safety courses for people who have committed serious driving offenses or had their license suspended for one too many driving infractions. Even if you don’t have to take one of these courses, you want to get in touch with some driver safety schools to ask them about SR-22 certificates. Sometimes, driver safety schools can refer you to insurers that offer cheap SR-22 certifications. The safety school might charge you a little something, or they may get a small commission, but it’s chump change compared to the value they provide. Call a local driver safety school if you ever need an SR-22 certificate, especially if your current insurance company can’t offer you much.
Having an SR-22 insurance filing might you cost a little bit (again, for a short time):
- There’s a small fee to file, about $25.
- Your insurance premium could rise a little if you need the SR-22 because of a DWI or accident.
- Some states require you to pay the whole thing when you have coverage that has an SR-22 filing tacked on.
SR-22s don’t last forever.
After a certain number of years (usually three), you won’t need your SR-22. At that point, just ring up your insurance and ask to have the filing taken off your policy.
It takes about three years to clear your driving record. So, any violations that triggered your need for the SR-22 have cleared off your record, too.
In the meanwhile, try to keep your chin up and keep in mind you won’t always have that SR-22 to deal with.
Do You Need to Buy SR-22 Insurance?
Every state has its own requirements. Note that the SR-22 form is not used in the following states:
- Delaware
- Kentucky
- Minnesota
- New Mexico
- New York
- North Carolina
- Oklahoma
- Pennsylvania
All other states, however, do require SR22 forms under certain situations. Here are some examples of circumstances that often require an SR-22:
- DWI or DUI
- You were at fault and driving without insurance
- Getting a lot of traffic tickets in a short period of time
- To reinstate a suspended or revoked license
The bottom line is that you will need SR-22 insurance if a judge says you do.
Final Word on Finding Cheap SR22 Insurance
It can bum anyone out being told by a judge that they need an SR-22 insurance certificate. It can put them in a pickle that they’ve never been in before. But, it’s not the end of the world. It doesn’t cost you that much and will go away with time. Try to keep your head up and follow the advice laid out in this article. You’ll be just fine. Just try to drive a little better!
