Best SR-22 Auto Insurance Companies (2021)

Many of the best auto insurance companies for SR-22 include the most well-known, insurance companies in the country. GEICO, USAA, and Progressive are among the companies that offer SR-22 auto insurance quotes. With rates potentially as low as $46.33 a month, SR-22 auto insurance can be incredibly affordable.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 28, 2021

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Things to Remember

  • Finding the best SR-22 auto insurance companies depends on policy costs, coverage, and state requirements
  • The filing fee for SR-22 insurance is as little as $12 depending on the state
  • Non-owner SR-22 insurance without a vehicle is required to operate any vehicle not owned by an SR-22 driver
  • Choosing to drive without SR-22 insurance coverage leads to additional criminal charges, legal fees, and/or jail time
  • SR-22 auto insurance coverage will always cost less than any charges or penalties for driving without proper certification

The best auto insurance companies for SR-22 offer various auto insurance coverage options. Some providers will have standard policies like liability, comprehensive, collision, and full coverage. Add-ons like roadside assistance, car rental, and windshield repair are other options to look for.

Any company, even the best companies, will, undoubtedly, consider an SR-22 driver a high-risk driver. In other words, the higher the risk, the higher the premiums.

A premium increase will apply to any coverage, even the most basic – liability. Enter your ZIP code in the free tool above to compare SR-22 auto insurance rates today.

What are the best auto insurance companies for SR-22?

As of April, 2021, the top three least-expensive SR-22 auto insurance companies are GEICO, USAA, and Progressive.

GEICO tops the list, not only for the cheapest auto insurance rates but also for customer discounts, as well as a non-owner SR-22 coverage option.

USAA comes in at a very close second with regard to rates. While their claims process may take a bit longer than other insurance agencies, their customer perks and discounts keep USAA on GEICO’s heels.

Progressive’s rates are a bit higher and offer a non-owner SR22 auto insurance option.

  • GEICO – $556 annual premium
  • USAA – $576 annual premium
  • Progressive – $669 annual premium

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Do I need SR-22 insurance for a car I do not own?

If you were convicted of an offense and ordered to obtain an SR-22 but do not own your own vehicle, you will need non-owner SR-22 insurance coverage, also referred to as an SR-22 operator’s certificate.

An SR-22 is proof of your financial responsibility and insurance coverage. SR-22 insurance is an addition to any auto insurance policy, regardless of the type of policy you choose.

Always keep the SR-22 certification and auto policy documentation with you whenever you:

  • Operate any vehicle you do not own
  • Use a car rental service
  • Operate shared vehicles

What kind of SR-22 insurance do I need?

SR-22 is a certification of driver responsibility. An insurance provider files the correct SR-22 form with the Department of Public Safety (DPS). The certification proves to the state that their client has SR-22 insurance coverage.

The type of certificate a driver needs depends on their driving habits. The following options cover vehicle owners and non-owners:

  1. SR-22 Operator Certificate:
    • Certifies the minimum auto insurance coverage of a driver operating any vehicles they do not own but have driving permission from the vehicle owner
  2. SR-22 Owner Certificate:
    • Certifies the minimum auto insurance coverage of a driver for vehicles they own
  3. SR-22 Owner-Operator Certificate:
    • Certifies the minimum auto insurance coverage of a driver operating any vehicles they own, as well as vehicles they do not own but have driving permission from the vehicle owner

How much will SR-22 auto insurance cost me?

Filing fees vary from state to state. Some states charge a filing fee as low as $12, others charge a flat fee of $35, or more. There is a separate fee to reinstate a suspended license which starts at $100 and goes up from there.

Additional costs depend on the cost of the auto insurance policy. The policy cost further depends on the amount and type of coverage you choose.

Additionally, private corporations tend to require full coverage insurance to lease or finance a vehicle. Car rental agencies vary depending on the company.

And yet, this does not mean a driver that needs SR-22 insurance is out of luck finding quality, affordable, and even downright cheap SR-22 auto insurance.

Take an annual liability premium, for instance, of $1,850, add an SR-22 filing fee and a license reinstatement fee. Your annual cost for insurance coverage could be as low as $1,962.

Although it is important to keep in mind, some insurance companies require up-front payment of the full annual premium. Other providers may offer monthly premiums. This does not guarantee the policy with monthly premiums will cost less than a policy paid up-front, in full.

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What happens if I do not get SR-22 auto insurance?

There are many variables to consider when feeling tempted to ignore an SR-22 court order. The easiest way to avoid financial loss and further criminal offense is to buy SR-22 auto insurance.

First, an SR-22 is court-ordered following a conviction of a specific offense. A driver’s auto insurance provider must notify DPS when the driver first obtains SR-22 insurance coverage and promptly after coverage ends.

Subsequently, DPS and the state are made aware of court-order noncompliance. An insurance provider will report any of the following policy changes to DPS:

  • The policyholder cancels their auto policy
  • The policyholder allows their policy to lapse
  • The provider terminates the policyholder’s policy due to a high-risk level following a conviction or offense that requires an SR-22 certificate
  • The provider terminates the policyholder’s policy for additional traffic violations, accidents, or incidents following an SR-22 certification

Many states only require a minimum amount of insurance coverage. For instance, the Texas Department of Public Safety (TXDPS) requires Texas drivers to have auto insurance while driving a vehicle of any class.

In the state of Texas, liability insurance provides the minimum insurance coverage required. Liability insurance covers:

  • $25,000 – damage or destruction of property of others, one crash
  • $30,000 – bodily injury or death of one person, one crash
  • $60,000 – bodily injury or death of two or more persons in one crash

Additional fines, license suspension or revocation, and jail sentences are all possibilities if DPS determines a driver is in noncompliance with an SR22 court order.

Unfortunately, the costs do not end there. Financial losses include hiring legal representation, court costs, and income loss. Personal costs can include job loss, income loss, and damaging impacts on relationships with friends, family, and community members.

When should I file for SR-22 auto insurance?

f you are unsure where to begin, start by comparing the best auto insurance companies for SR-22 auto insurance quotes. To do this, enter your ZIP code below and compare free quotes today.

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