Is It Possible to Find Cheap SR22 Insurance?

Last Updated on June 23, 2020

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 the 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, there are some methods and tricks you can use 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.

cheap sr22 insurance rates

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 DMV’s 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 do find yourself in this situation of 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. 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:

StateCompanies Sell SR-22 Insurance
AlabamaAcceptance, 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
AlaskaDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General
ArizonaAcceptance, 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
ArkansasAmeriprise, 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
California21st 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
ColoradoAmeriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Legacy, Mendota, National General, Progressive, Safeco, Safeway, State Auto, The General, Titan, Victoria
ConnecticutDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Victoria
DelawareAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan
District of ColumbiaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Victoria
FloridaAcceptance, 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
GeorgiaAcceptance, 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
Hawaii21st 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
IdahoDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, Stillwater, The General, Victoria
IllinoisAcceptance, 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
IndianaAcceptance, 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
IowaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Mendota, National General, North Star, Pekin, Progressive, Safeco, The General, Victoria, West Bend Mutual
KansasAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, North Star, Progressive, SafeAuto, Safeco, The General, West Bend Mutual
KentuckyAmeriprise, Dairyland, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Grange, Hallmark, National General, Progressive, SafeAuto, Safeco, The General, Victoria, West Bend Mutual
LouisianaAffirmative, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, SafeAuto, Safeco, Safeway, The General
MaineDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Patriot, Progressive, Safeco, The General
MarylandAmeriprise, Brethren Mutual, Cumberland, Dairyland, Elephant, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Titan, Victoria
MassachusettsDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Occidental, Progressive, Safeco, Safety, The General, Victoria
MichiganAmeriprise, Dairyland, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Frankenmuth, GEICO, Good2Go, Grange, Merchants, National General, Progressive, Safeco, The General, West Bend Mutual
MinnesotaDairyland, Esurance, Farmers, Foremost, GEICO, Grange, Grinnell, Mendota, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, West Bend Mutual
MississippiAcceptance, Ameriprise, Dairyland, Direct General, Esurance, Farmers, Foremost, GEICO, Mendota, National General, Progressive, SafeAuto, Safeco, Safeway, The General, Titan, United Auto, Victoria
MissouriAcceptance, 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
MontanaDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Victoria
NebraskaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, West Bend Mutual
NevadaAcceptance, 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 HampshireDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Patriot, Progressive, Safeco, Safety, The General
New JerseyDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, Mercury, National General, Progressive, Safeco, The General
New MexicoAcceptance, Ameriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Mendota, National General, Progressive, Safeco, Safeway, Stillwater, The General, Titan, Victoria
New YorkAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, Mercury, National General, Progressive, Safeco, The General, Victoria
North CarolinaDairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan
North DakotaDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, The General, Victoria
OhioAcceptance, 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
OklahomaAmeriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grinnell, Hallmark, Jupiter Auto, Mercury, National General, North Star, Progressive, SafeAuto, Safeco, The General, United Auto, Victoria
OregonAmeriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, PEMCO, Progressive, Safeco, Stillwater, The General, Victoria
PennsylvaniaAcceptance, Ameriprise, Brethren Mutual, Cumberland, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Infinity, Merchants, National General, Progressive, SafeAuto, Safeco, The General, Titan, Victoria
Rhode IslandDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Progressive, Safeco, Stillwater, The General
South CarolinaAcceptance, 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 DakotaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, The General
TennesseeAcceptance, 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
TexasAcceptance, 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
UtahAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Mendota, National General, Progressive, Safeco, Stillwater, The General, United Auto, Victoria
VermontAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Patriot, Progressive, Safeco, The General
VirginiaAcceptance, 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
WashingtonAmeriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Hallmark, National General, PEMCO, Progressive, Safeco, Stillwater, The General, Titan
West VirginiaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan, Victoria
WisconsinAmeriprise, Dairyland, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Mendota, National General, Pekin, Progressive, Safeco, State Auto, Stillwater, The General, Victoria, West Bend Mutual
WyomingDairyland, 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 a lot of areas, driver safety courses are mandated by the state for people who have committed serious driving offenses or who have 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 find yourself needing an SR-22 certificate, especially if your existing 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-22’s 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 you need 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:

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 it 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!

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