Does Progressive Have Good SR-22 Insurance Coverage?
Last Updated on February 5, 2026
Progressive can usually file an SR-22 for eligible drivers in many states, making it a practical option if you want a major insurer and straightforward online policy management. The SR-22 filing itself is typically a small add-on fee—your bigger cost comes from the violation that triggered the SR-22 and the higher premiums that often follow.
This guide explains what Progressive SR-22 insurance is (and what it isn’t), when an SR-22 is required, what it may cost, and how to keep your filing active until your state clears the requirement.
- SR-22 Is a Filing, Not a Policy: Progressive adds an SR-22 to prove you meet your state’s minimum liability requirements—it doesn’t create “special” SR-22 coverage.
- Most of the Cost Comes From Risk Factors: The filing fee is usually small, but premiums often rise because insurers price the violation, suspension, or lapse that triggered the SR-22.
- Lapses Can Reset the Problem: If your policy cancels or lapses during the SR-22 period, the state can re-suspend your license and you may have to restart the required timeframe.
- Verify the Filing and Removal: Confirm the state received your SR-22, keep coverage active for the full requirement, then request SR-22 removal after the state clears you.
- What Is an SR-22?
- When Is an SR-22 Required?
- What Type of Policy Works for an SR-22?
- How Much Does a Progressive SR-22 Certificate Cost?
- How to Get an SR-22 with Progressive
- Progressive SR-22 Reviews: What to Expect as a Customer
- Progressive Car Insurance Discounts That May Still Apply
- Final Word on Progressive SR-22 Coverage
- FAQs on Progressive SR-22 Insurance
What Is an SR-22?
An SR-22 is a certificate of financial responsibility that your insurance company files with your state to prove you carry at least the minimum liability coverage required to legally drive. An SR-22 is not a special “type” of car insurance—it’s a state-required filing attached to an auto policy.
In a few situations, drivers may be required to file an FR-44 instead. While it serves a similar purpose, an FR-44 typically requires higher liability limits than a standard SR-22.
When Is an SR-22 Required?
If you need an SR-22, the state (or the court) will notify you. Many drivers learn about the requirement after a license suspension, a serious ticket, or an uninsured incident. Because SR-22 requirements are tied to risk, drivers who need one are often treated as high-risk drivers by insurers.
Common situations that can trigger an SR-22 requirement include:
| Reason an SR-22 May Be Required | What It Typically Signals to the State |
|---|---|
| DUI/DWI or other serious offense | Proof of minimum liability coverage is required to reinstate or keep driving privileges. |
| Driving without insurance (or without enough coverage) | State wants ongoing proof that you’re meeting legal minimums going forward. |
| Multiple at-fault accidents or moving violations in a short period | Pattern of higher risk that may require monitoring via continuous insurance proof. |
| Repeat offenses in a short timeframe | State may require a filing to keep your license active or reinstate it after suspension. |
| Failure to comply with certain court/state requirements | Some states may use SR-22 filings in non-driving-related compliance situations. |
Most drivers must keep an SR-22 on file for a set period, and it can vary by state and violation. Some requirements are short, while others run longer—learn more about how long an SR-22 lasts and what can extend the timeline.
What Type of Policy Works for an SR-22?
Before you shop, confirm what type of SR-22 filing you need. Many drivers need an “owner” policy (for a car they own), but some drivers qualify for a “non-owner” policy if they don’t have a vehicle and only need liability coverage to legally drive borrowed or rented cars.
| Situation | Common SR-22 Solution | What It Typically Covers |
|---|---|---|
| You own a car and drive it regularly | Owner auto policy with an SR-22 filing | Liability (plus any optional coverages you add, like comprehensive/collision) |
| You don’t own a car but need to reinstate a license | Non-owner policy with an SR-22 filing | Liability while driving vehicles you don’t own (not physical damage to a car) |
| You need higher-than-minimum limits due to a specific state requirement | Policy with the required limits (sometimes an FR-44) | Liability at the higher required limits |
Quick tip: If you don’t own a car, ask the DMV (or your insurer) whether a non-owner SR-22 will satisfy your requirement. It can be a simpler way to stay compliant without insuring a specific vehicle.
How Much Does a Progressive SR-22 Certificate Cost?
Your total cost has two main parts: the SR-22 filing fee and your insurance premium.
SR-22 filing fee: Progressive states that an SR-22 typically costs about $25 to file, but the amount can vary by state and may be charged each policy term while the filing is required. You can review Progressive’s explanation here: What is an SR-22?
Insurance premium: The bigger increase usually comes from the reason you need the SR-22 (for example, a DUI, driving uninsured, or repeated violations). Rates vary widely based on your driving record, location, vehicle, and coverage limits. If you’re trying to benchmark pricing, start with what the average Progressive policyholder pays, then expect SR-22 pricing to run higher than average until the incident ages off and your record improves.
How to Get an SR-22 with Progressive
Progressive’s SR-22 process is similar to other major insurers: you buy (or maintain) a qualifying policy, then Progressive files the SR-22 with the correct state on your behalf.
For drivers comparing options, it can help to review practical strategies for finding cheaper SR-22 insurance before you purchase, since the premium difference between companies can be significant.
- Confirm the requirement details. Verify the state that needs the filing, the deadline, and whether you need an owner or non-owner SR-22.
- Start a new quote or update your existing policy. If you’re new to Progressive, request a quote and indicate that you need an SR-22. If you’re already insured with Progressive, request that the SR-22 be added to the correct driver on the policy.
- Make sure the filing goes to the correct state. This matters if your license action happened in a different state than where you currently live.
- Watch for confirmation. Many states accept electronic filings quickly, but some filings can take longer depending on state processing rules.
- Keep your policy active until the state releases you. A lapse can trigger a suspension and may restart your SR-22 clock.
Avoid Lapses While You’re on an SR-22
One of the fastest ways to create bigger problems is a missed payment or cancellation during the SR-22 period. In many states, if your coverage ends, your insurer must notify the DMV, and your license can be suspended again. If you’re worried about missed payments, review what can happen if your car insurance lapses and set up payment reminders or autopay.
Quick tip: When your state requirement ends, the SR-22 usually doesn’t drop automatically. Ask Progressive to remove the SR-22 filing after you confirm the state has cleared you.
Progressive SR-22 Reviews: What to Expect as a Customer
Progressive is one of the largest carriers on the U.S. auto insurance market, and SR-22 policyholders typically use the same claims process, mobile app, and online account tools as other customers. In other words: needing an SR-22 changes your price and filing requirements, but it doesn’t automatically change how you manage your policy day to day.
Customer satisfaction can vary by state and region. For a broader snapshot of insurer satisfaction, see J.D. Power’s 2025 U.S. Auto Insurance Study, which evaluates insurers across multiple service and price-related factors. It’s also common for certain regional companies—like Wawanesa in some markets—to score well in specific regions, so it’s worth comparing options where you live.
Progressive Car Insurance Discounts That May Still Apply
SR-22 drivers often pay more, but discounts can still help reduce the total. Discount availability depends on your state, driving record, and the way your policy is written. Start with an overview of Progressive’s discounts, then focus on the options you can realistically qualify for while an SR-22 is on file.
Stay Continuously Insured
Insurers commonly reward drivers who avoid gaps. Maintaining continuous coverage can help you avoid extra surcharges, and some drivers may qualify for additional savings through the Progressive loyalty program over time.
Consider Usage-Based Savings
If it’s available and you’re comfortable with telematics, Progressive Snapshot may offer savings based on driving behavior. Savings and eligibility vary, and safe driving habits generally matter more than your SR-22 status.
Rebuild a Clean Record Over Time
SR-22 periods end, and underwriting penalties often fade as incidents get older. Once you’ve re-established a clean history, you may be able to benefit from programs like the good driver discount (rules vary by state and insurer).
Other Common Discount Categories
Depending on your household and payment preferences, you may also see savings from programs like the good student discount, choosing a paid-in-full option, or completing an eligible course tied to defensive driving discounts.
Final Word on Progressive SR-22 Coverage
Progressive can be a solid SR-22 option if you’re eligible for a policy and want a well-known insurer with strong online tools. Just remember that the SR-22 is a filing—not extra coverage—and the real cost difference comes from the driving or insurance history that triggered the requirement.
To avoid delays and re-suspensions, confirm the exact SR-22 requirements with your state, make sure the filing goes to the correct jurisdiction, and keep your policy active until you’re officially cleared and the SR-22 is removed.
