Progressive SR-22 Insurance Review (2026)
Progressive can file SR-22 insurance for a one-time fee of $25, but expect costs to increase significantly. Monthly premiums can go up by $51 with Progressive SR-22 coverage. Bundling discounts help lower rates. This Progressive SR-22 insurance review explains when to file and how to save money on your policy.
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Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Jimmy McMillan
Updated September 2026
Progressive SR-22 auto insurance can help you meet the insurance requirements in your state after a DUI or other traffic violation.
- Apply for Progressive SR-22 online, over the phone, or through the app
- The Progressive SR-22 cost per month is $122 after a DUI
- New customers get immediate filings when switching to Progressive
Our Progressive SR-22 insurance review finds that monthly rates can increase by $51 after filing. It may not offer the most affordable prices, but high-risk drivers can still qualify for various Progressive discounts that help lower costs.
This article explains the basics of Progressive’s SR-22 certificate and how to apply for it. If you need SR-22 coverage right away, our free quote tool can help you compare costs from providers in your area.
Progressive SR-22 Insurance Explained
For high-risk drivers concerned about getting coverage, a common question is, “Does Progressive offer SR-22 filings?” If you need it, Progressive will file an SR-22 with your local DMV.
The Progressive SR-22 form is not insurance coverage but a certificate of financial responsibility. It proves you meet your state’s minimum insurance requirements after a moving violation or court ruling.
Not every driver has to file an SR-22. You’ll be notified during your court hearing or by your local DMV if you need an SR-22 with Progressive.
You might require one if you were caught driving without insurance or are classified as a high-risk driver.
When You Need to File SR-22 Insurance with Progressive
SR-22 car insurance is often required if you’ve been convicted of a serious moving violation, including a DUI vs. DWI.
Progressive and other major insurers classify a driver as high-risk if they’ve been convicted of driving while intoxicated and need to file an SR-22.
You could also fall into the high-risk auto insurance category if you have repeated offenses in a short period or multiple at-fault accidents.
Some high-risk drivers need an SR-22 to obtain hardship licenses, which allow them to drive only under restricted circumstances, such as to and from work or to receive medical treatment.
In some states, judges may require drivers who fail to fulfill court-ordered financial obligations, like child support payments, to file an SR-22.
Progressive only files SR-22 forms for its policyholders. If you aren’t a Progressive customer, shop around online and compare other providers before you buy.
Start Shopping Now: Best Auto Insurance Companies for High-Risk Drivers
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Progressive SR-22 Cost Comparison
The SR-22 filing cost through Progressive is $25, though this fee may vary slightly depending on your state laws.
Along with state fees for SR-22 insurance, Progressive increases your monthly premiums because of the impact on your driving history.
Auto Insurance Monthly Rates Before & After a DUI
| Company | Clean Record | After DUI | Increase |
|---|---|---|---|
 | $78 | $133 | $55 |
 | $69 | $118 | $49 |
 | $52 | $90 | $38 |
 | $56 | $96 | $40 |
 | $55 | $94 | $39 |
 | $64 | $110 | $46 |
 | $71 | $122 | $51 |
 | $59 | $100 | $41 |
 | $94 | $162 | $68 |
 | $70 | $119 | $49 |
Monthly rates go up by $51 a month after filing an SR-22 for a DUI, bringing minimum coverage to $122 monthly.
Travelers, Nationwide, and State Farm have cheap SR-22 insurance compared to Progressive.
Previous driving infractions will have a major impact on your Progressive SR-22 insurance cost, especially after a DUI.
Kalyn Johnson Insurance Claims Support & Sr. Adjuster
Geico, Erie, and Auto-Owners also keep quotes under $100 a month, so compare providers before choosing Progressive. Start Here: Geico vs. Progressive Auto Insurance
Your rates could be higher, depending on your age, vehicle, and daily commute. For an average SR-22 insurance price, request an online quote to see costs in your area.
What Influences SR-22 Insurance Premiums
Factors That Impact SR-22 Insurance Rates
| Criteria | Impact |
|---|---|
| Age of Driver | Younger drivers pay more |
| Annual Mileage | More driving increases risk |
| Coverage Level | Full coverage costs more |
| Credit Score | Lower scores increase cost |
| Driving History | Repeat offenses raise rates |
| State Laws | Minimum limits vary by state |
| Vehicle Type | Luxury cars are costly to insure |
| Violation Severity | Serious charges raise premiums |
Additional factors that affect the cost of SR-22 insurance are where you live and your coverage limits. Comparing SR-22 costs by state can give you an idea of what other drivers pay for the same coverage.
Progressive costs more after an SR-22 in many states. If you need SR-22 insurance in Ohio, Progressive costs nearly $100 more per month, so compare multiple companies before choosing.
SR-22 Auto Insurance Monthly Rates by State & Coverage Level
| States | Minimum Coverage | Full Coverage |
|---|---|---|
| Alabama | $50 | $139 |
| Alaska | $50 | $147 |
| Arizona | $59 | $156 |
| Arkansas | $56 | $162 |
| California | $72 | $219 |
| Colorado | $51 | $169 |
| Connecticut | $87 | $169 |
| Delaware | $96 | $183 |
| Florida | $64 | $190 |
| Georgia | $72 | $179 |
| Hawaii | $37 | $100 |
| Idaho | $30 | $106 |
| Illinois | $57 | $150 |
| Indiana | $49 | $143 |
| Iowa | $26 | $104 |
| Kansas | $43 | $135 |
| Kentucky | $64 | $176 |
| Louisiana | $54 | $201 |
| Maine | $51 | $115 |
| Maryland | $126 | $237 |
| Massachusetts | $56 | $144 |
| Michigan | $163 | $339 |
| Minnesota | $90 | $220 |
| Mississippi | $53 | $142 |
| Missouri | $55 | $156 |
| Montana | $42 | $153 |
| Nebraska | $39 | $148 |
| Nevada | $61 | $144 |
| New Hampshire | $50 | $122 |
| New Jersey | $126 | $197 |
| New Mexico | $56 | $142 |
| New York | $90 | $174 |
| North Carolina | $55 | $131 |
| North Dakota | $49 | $177 |
| Ohio | $44 | $114 |
| Oklahoma | $52 | $160 |
| Oregon | $75 | $147 |
| Pennsylvania | $60 | $179 |
| Rhode Island | $61 | $143 |
| South Carolina | $79 | $191 |
| South Dakota | $20 | $127 |
| Tennessee | $37 | $130 |
| Texas | $77 | $207 |
| Utah | $66 | $147 |
| Vermont | $43 | $133 |
| Virginia | $56 | $132 |
| Washington | $45 | $104 |
| Washington D.C. | $81 | $192 |
| West Virginia | $52 | $141 |
| Wisconsin | $47 | $133 |
| Wyoming | $24 | $105 |
Your Progressive SR-22 insurance quote could also be higher in your state after certain infractions.
For instance, Virginia and Florida drivers must file FR-44 after a DUI, which requires higher liability limits, raising rates. Learn how these laws affect you in our guides:
How to Add SR-22 to Progressive Policies
If you’re wondering how to get SR-22 with Progressive, you first need a Progressive policy. Existing customers can call the Progressive SR-22 insurance number at 1-866-749-7436 to ask for a certificate.
You can also request an SR-22 online by logging into your Progressive account or using the app. An agent will review your policy and file the SR-22 with your local DMV. Follow these steps to learn how to file SR-22 with Progressive online:
- Log in to Your Account: Use the email and password you set up at purchase to log into your account online or through the mobile app.
- Request SR-22 Filing: Navigate to coverage options and request an SR-22.
- Provide Personal Information: Input personal details, including drivers license number and case or citation numbers associated with the SR-22 requirement.
- Pay Filing Fees: Pay the one-time filing fee of $25 (costs may vary in your state).
- Progressive Files SR-22: Progressive electronically files the SR-22 form with the DMV. In states where it’s required, Progressive will file it by mail.
Some drivers may be worried about how to get SR-22 with Progressive if they don’t own a car. You’ll be able to buy Progressive non-owner SR-22 insurance to cover injuries and property damage you cause while driving someone else’s car.
If you’re not currently insured by them, you’ll first need to request a Progressive SR-22 quote and then purchase a policy that suits your needs. Once the policy is activated, Progressive will send proof of insurance to the DMV.
You must file Progressive SR-22 proof at every annual renewal for a certain number of years, depending on your state laws and violation record.
Remember to remove your SR-22 when you no longer need it, as it doesn’t expire automatically. Call Progressive and request that the SR-22 be removed from your policy.
Ways to Get Cheaper SR-22 Rates at Progressive
Being a high-risk driver usually means that your rates will go up significantly.
Progressive offers many discounts that could help you offset the difference in rates. Our review provides a full list of savings: Best Progressive Auto Insurance Discounts
Top Auto Insurance Discounts for SR-22 Drivers
| Company | Anti-Theft | Bundling | Low Mileage | Multi-Vehicle |
|---|---|---|---|---|
| 10% | 17% | 30% | 10% |
| 25% | 25% | 20% | 23% |
 | 10% | 20% | 10% | 12% |
| 25% | 10% | 12% | 25% |
 | 12% | 20% | 20% | 20% |
 | 5% | 18% | 20% | 15% |
 | 10% | 11% | 30% | 12% |
 | 20% | 15% | 25% | 20% |
| 15% | 18% | 12% | 20% |
| 15% | 13% | 20% | 8% |
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Progressive Insurance Company Review
Progressive car insurance has been in business for over 80 years and serves more than 18 million customers. Our Progressive auto insurance review gives it 4.4 out of 5 for competitive rates and discounts. Its policy options also make it a solid choice for new customers who need same-day SR-22 filings.
However, SR-22 customers depend on providers for more administrative follow-through than the average policyholder, and customer complaints and claim satisfaction ratings can tell you a lot about the SR-22 filing process with Progressive.
Progressive Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: A+ Superior Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 72/100 Avg. Customer Feedback |
 | Score: 673 / 1,000 Below Avg. Satisfaction |
 | Score: 1.11 Avg. Complaints |
When comparing your options, you may ask, “Does Progressive offer SR-22 insurance?” It does, but because it operates mostly online, drivers who want an agent to make policy changes or explain state-specific requirements may not get the service they’re looking for.
And while having an SR-22 doesn’t change how Progressive handles your accident claim, lower claims satisfaction scores can point to communication issues and lead to delays when you need to file your SR-22. Read More: How to File a Complaint Against Your Auto Insurance Company
Despite mixed claims and customer service reviews, Progressive is one of the more popular providers for SR-22 filings. Its same-day online coverage for new customers helps SR-22 drivers get mandatory coverage quickly.
Drivers choose it over Geico, Allstate, and Nationwide. You can get more details in our article: How to Get SR-22 Auto Insurance from Geico
Choosing Progressive SR-22 Coverage
Being classified as a high-risk driver usually means an increase in your insurance rate. However, Progressive offers SR-22 at affordable rates, allowing you to get back behind the wheel without breaking the bank.
The process is straightforward, and once you’re no longer required to carry Progressive’s SR-22 form, you can easily remove it from your policy and see your rates drop.
Since Progressive offers SR-22 coverage, it may be a good fit for your insurance needs. If you’ve received a notification from the DMV that you’re required to obtain SR-22 insurance, use our comparison tool to shop for affordable policies today.
Frequently Asked Questions
Is Progressive a good option for SR-22 coverage?
Progressive SR-22 is a reliable choice with its same-day filing for new customers and long-standing reputation in the insurance industry, but it doesn’t offer the lowest rates.
How much is an SR-22 with Progressive?
Progressive costs more than other SR-22 providers, including Geico and State Farm. Progressive customers can see a $51 rate increase in their monthly premiums for filing an SR-22 after a DUI. The cost of insurance with an SR-22 certificate will likely be higher than standard rates due to the associated risk, so compare quotes online before you buy to find affordable coverage.
When do you need to file an SR-22 with Progressive auto insurance?
You need to file an SR-22 when required by the DMV or court, usually after a license suspension or multiple traffic violations. Find Out More: Can you get auto insurance with a suspended license?
How much does Progressive charge for SR-22 filings?
The price for an SR-22 through Progressive is approximately $25, but the overall cost may vary depending on your state laws and individual driving history.
How much will an SR-22 increase my Progressive insurance rates?
Having an SR-22 on your policy will result in higher insurance premiums since it’s often required after serious driving violations. On average, you’ll pay $600 more a year on minimum coverage.
How do I get an SR-22 from Progressive?
If you’re a Progressive customer, log in to your online account or through the mobile app to add SR-22 insurance.
Can you get a Progressive SR-22 insurance quote online?
Yes, you can get a Progressive quote online even if you need an SR-22. Progressive lets customers get quotes online for policies that require an SR-22 filing.
Does Progressive offer non-owner SR-22 car insurance?
Yes, Progressive provides liability coverage for drivers who don’t own a car but may occasionally drive someone else’s car or rent vehicles.
What is an SR-22 and how does it work?
If you’re required to have an SR-22, contact your insurance company and ask them to file the SR-22 form with the state on your behalf. What is the meaning of SR-22? This form verifies that you have the required insurance coverage. The SR-22 form Progressive files serves as proof of insurance.
What happens when you no longer need an SR-22?
When the SR-22 requirement is no longer necessary, you can request its removal from your policy by contacting your Progressive agent.
How do I remove SR-22 in California?
Can you get a Progressive SR-22 certificate in Florida?
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