Does Progressive Have Good SR-22 Insurance Coverage?
Last Updated on August 21, 2022
Some drivers require SR-22 insurance. Progressive is one of several major insurers offering SR-22 insurance.
Generally, Progressive’s SR-22 insurance is similar to the SR-22 insurance from other major insurers. You pay more for SR-22 insurance, but you can legally resume driving. Many drivers like the ability to buy from a recognizable brand name like Progressive instead of a lesser-known high-risk insurer.
Is Progressive good for SR-22 insurance? Should you buy SR-22 insurance from Progressive? Keep reading to discover everything you need to know about Progressive SR-22 insurance and how it works.
Table of Contents:
- What Is an SR-22?
- Do I Need 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 Do Customers Say?
- Progressive Car Insurance Discounts
What Is an SR-22?
An SR-22, also known as an FR-44 in some states, is a certificate of financial responsibility. The certificate verifies you meet minimum insurance requirements in your state, which means you can legally drive.
If you are a high-risk driver, or if you have let car insurance lapse, then you may require an SR-22 certificate. Progressive, like other insurers, can file an SR-22 certificate on your behalf to get you back on the road.
Do I Need an SR-22?
If you need an SR-22, then your DMV will notify you of the SR-22 requirement. Typically, the court or state will order an SR-22 because of a recent incident, and you’ll hear about the SR-22 requirement at your court hearing.
Some of the most common reasons you need an SR-22 include:
- DUI or DWI conviction
- Driving without insurance
- Several at-fault accidents or violations within a short period
- Multiple repeat offenses in a short period (like three or more speeding tickets within six months)
- Not paying court-ordered child support
- Letting insurance lapse
In all of these situations, the court may notify you of a requirement to carry an SR-22 certificate. You may need to file the SR-22 certificate for 1 to 3 years, depending on your violation.
How Much Does a Progressive SR-22 Certificate Cost?
It costs around $25 to file an SR-22. Progressive will pass this fee onto you, the policyholder.
Although there are no other SR-22 fees to pay with Progressive, you’ll pay higher auto insurance premiums as a high-risk driver. The average Progressive SR-22 insurance costs around $2,500 per year, or around twice what the average Progressive policyholder pays.
How to Get an SR-22 with Progressive
You can easily get an SR-22 with Progressive. In fact, Progressive makes it easier than other major insurers to obtain an SR-22. You can get an SR-22 insurance quote online, upgrade your policy over the app, or add an SR-22 to your policy in other ways.
According to Progressive.com, here are the three recommended ways to get an SR-22 with Progressive:
Get an SR-22 Car Insurance Quote: If you’re a new Progressive customer, then get a car insurance quote. When requesting the quote, you can indicate the type of auto insurance you need. Progressive will e-file your SR-22 once you purchase car insurance. You can complete this car insurance quote process entirely online.
Login to your Existing Progressive Account: If you already have a Progressive policy, you can login online and navigate to update the driver who needs the SR-22. Simply indicate which driver requires the SR-22, and Progressive will file the SR-22 on your behalf.
Use the App: Progressive also lets you request an SR-22 using their app. Open the Progressive app and navigate to your driving records to request a new SR-22 filing.
Progressive SR-22 Reviews: What Do Customers Say?
Progressive is America’s third-largest car insurance company. They insure thousands of drivers nationwide, including thousands of drivers with SR-22 filing requirements.
According to our research, most customers are satisfied with the way Progressive handled their SR-22 needs. SR-22 insurance is more expensive than traditional insurance. However, aside from the higher price, you have a similar Progressive experience as most other Progressive policyholders. You can use the app, use the Progressive website, and contact Progressive’s customer service when making a claim.
According to J.D. Power’s 2021 auto insurance rankings, Progressive scored above average in many subregions for customer service and claims satisfaction, suggesting that Progressive SR-22 holders and other policyholders were satisfied with how Progressive handled their claim. To compile their rankings, J.D. Power contacts policyholders who have recently made claims.
In California, for example, Progressive scored 819 points on a 1,000-point scale, ahead of competitors like State Farm, Mercury, Farmers, and Allstate. The regional average was 816, while the top-rated insurer (Wawanesa) scored 853. In most other subregions, Progressive had average or slightly above or below average ratings for car insurance. Like other large insurers, Progressive has thousands of customers across the country, and some of those customers are satisfied with their Progressive policies while others are not.
Progressive Car Insurance Discounts
SR-22 insurance is more expensive than ordinary insurance. Fortunately, you can save money by taking advantage of Progressive car insurance discounts.
Progressive offers a range of discounts to all drivers, including drivers who require SR-22 insurance. You could save hundreds – even thousands – per year on car insurance by taking advantage of Progressive’s discounts.
Some of Progressive’s best discounts for SR-22 insurance policyholders include:
Continuous Coverage and Loyalty Discounts: The longer you maintain continuous insurance coverage, the more you can save with Progressive. Progressive rewards customers who have stayed with Progressive or other insurers continuously for 6 months to 5 years. The longer you’ve been continuously insured, the more you can save – even if you have an SR-22 requirement.
Snapshot Driver Tracking Discount: Progressive’s Snapshot driver tracking discount lets you save money in exchange for tracking driving behavior. If you sign up for Snapshot, then Progressive tracks your driving habits over a certain period, then provides a discount based on those habits. All drivers save, while safe drivers save more.
Safe Driving Discounts: If you need an SR-22, then you likely don’t qualify for Progressive’s safe driving discount. However, drivers with a clean record over the past three to five years could save money on Progressive auto insurance policies. Plus, the longer you stick with Progressive, the further your incident will be in the past, causing rates to continue to drop.
Bundling Discounts: If you insure multiple vehicles or have multiple insurance products with Progressive, then you can save money across all insurance products. Progressive, like most insurers lets you save around 20% by bundling multiple policies or vehicles together under one account.
Other Discounts: Progressive also offers good student discounts, paid in full discounts, driver education course discounts, and other discounts to help SR-22 policyholders save money.
Final Word on Progressive’s SR-22 Coverage
Progressive offers SR-22 insurance in most states. If you require an SR-22 certificate in your state, then you can buy SR-22 insurance from Progressive and Progressive will file that certificate on your behalf.
To learn more about Progressive’s SR-22 insurance or to request a Progressive SR-22 insurance quote, contact Progressive today.
