Cheap SR-22 Auto Insurance in 2025 (Lower Your Rates With These 10 Top Companies!)
Who has the cheapest SR-22? The General, Dairyland, and Infinity are the top companies that sell cheap SR-22 auto insurance. The General offers the cheapest minimum SR-22 insurance, starting at just $82 a month. High-risk drivers can reduce their rates at the cheapest SR-22 companies by applying for discounts.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated December 2025
843 reviewsCompany Facts
Min. Coverage for SR-22
A.M. Best Rating
Complaint Level
Pros & Cons
843 reviews
175 reviewsCompany Facts
Min. Coverage for SR-22
A.M. Best Rating
Complaint Level
Pros & Cons
175 reviews
300 reviewsCompany Facts
Min. Coverage for SR-22
A.M. Best Rating
Complaint Level
Pros & Cons
300 reviewsWho has the cheapest SR-22 insurance? The General, Dairyland, and Infinity are the top companies offering cheap SR-22 auto insurance. High-risk insurance for SR-22 drivers starts at $82 monthly at The General.
It can be difficult to find affordable SR-22 car insurance when you are considered a high-risk driver, but these top ten companies offer the best deals on cheap SR-22 insurance.
Our Top 10 Company Picks: Cheap SR-22 Auto Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $82 | A | High-Risk Drivers | The General |
 | #2 | $88 | A+ | Motorcyclists | Dairyland |
 | #3 | $93 | A- | Flexible Payments | Infinity |
 | #4 | $97 | A | Costco Members | American Family |
 | #5 | $103 | A | Claims Free | Safeco |
 | #6 | $109 | A+ | Online Tools | Progressive |
 | #7 | $113 | A++ | Customer Service | State Farm |
 | #8 | $119 | A+ | Senior Drivers | Nationwide |
 | #9 | $124 | A+ | Infrequent Drivers | Allstate |
 | #10 | $129 | A+ | Dividend Payments | Amica |
Inexpensive SR-22 insurance is hard to find but not impossible. Continue reading for a full breakdown of each of these high-risk insurance companies to get the lowest rates.
If you’re ready to shop for SR-22, cheap insurance is just a click away. Enter your ZIP in our comparison tool to get free quotes now.
- On average, The General has the cheapest SR-22 auto insurance at $82 monthly
- Dairyland and Infinity also have affordable rates for SR-22 insurance
- Top SR-22 insurance companies are more expensive than regular auto insurance
#1 – The General: Top Pick Overall
Pros
- High-Risk Coverage: The General is one of the most experienced companies for dealing with high-risk SR-22 insurance.
- SR-22 Filing: Filing SR-22 is cheapest with The General, and the provider will take care of filing all necessary SR-22 forms for drivers.
- Mobile App: Customers can manage SR-22 insurance policies from the free app.
Cons
- Customer Ratings: Overall satisfaction with The General high-risk insurance is just average. For a closer look at ratings, read our review of The General auto insurance.
- Coverage Options: The General doesn’t offer as many options for add-on coverages to SR-22.
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#2 – Dairyland: Cheapest for Motorcycle Drivers
Pros
- High-Risk Motorcycle Coverage: Dairyland offers cheap insurance for SR-22 filings on motorcycle policies.
- Free SR-22 Filing: Dairyland files SR-22 forms for free in most states.
- Coverage Options: Dairyland has a decent selection of cheap SR-22 coverage options, including gap insurance
Cons
- Availability: Dairyland SR-22 insurance is not available in all states. Read our Dairyland auto insurance review to see if it sells cheap insurance for SR-22 in your state.
- Customer Ratings: Dairyland SR-22 auto insurance complaints are higher than average.
#3 – Infinity: Cheapest Flexible Payments
Pros
- Flexible Payments: Customers can choose an SR-22 insurance payment plan that suits their needs.
- Roadside Assistance: This can be added to any Infinity SR-22 car insurance policy. Read our Inifity auto insurance review for more information.
- Discount Options: There are good student discounts, paperless discounts, and more to help high-risk drivers get cheap car insurance for SR-22.
Cons
- Availability: The majority of states don’t have Infinity SR-22 auto insurance.
- Best for High-Risk Drivers: Infinity isn’t a top choice for good drivers, so SR-22 drivers may want to switch after their record is clear.
#4 – American Family: Cheapest for Costco Members
Pros
- Costco Members: Costco members can buy AmFam SR-22 coverage through Costco for a discount.
- Discount Options: Good student discounts and more are available for more affordable SR-22 insurance. For a full list of discounts, check out our American Family Insurance eview.
- Coverage Options: American Family sells plenty of add-ons to high-risk drivers.
Cons
- Availability: American Family does not file SR-22 forms in all states.
- Basic Online Tools: AmFam’s digital platform is not as streamlined as other cheap SR-22 auto insurance company websites.
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#5 – Safeco: Cheapest for Claim-Free Drivers
Pros
- Customizable Coverages: There are several different ways customers can customize SR-22 coverage.
- Claims-Free Rewards: SR-22 drivers who remain claim-free for six months can earn up to 5% off their annual premiums.
- Low-Mileage: Drivers on the road less than 11,000 miles per year can save up to 18% on cheap auto insurance with SR-22.
Cons
- Agent-Only Quotes: You will have to contact an agent to get an SR-22 insurance quote.
- Customer Satisfaction: Numerous customer complaints have been filed on BBB, as you can read more about in our Safeco car insurance review.
#6 – Progressive: Best Online Tools
Pros
- Name-Your-Price Tool: Pick only the coverage you need and buy online to get cheap insurance and SR-22 filings.
- Mobile Management: Progressive offers mobile tools to help customers manage SR-22 policies on their phones. Learn more in our Progressive SR-22 insurance review.
- Online Discounts: Shop for quotes online and buy SR-22 auto insurance from the Progressive website to earn additional discounts.
Cons
- Rate Increases: Customers in most states report rate increases at renewal, even without changes in driving record or coverage.
- Customer Ratings: Other cheap SR-22 auto insurance companies have better customer service ratings.
#7 – State Farm: Best Customer Service
Pros
- Customer Service: Local agents provide personalized assistance to SR-22 customers.
- Discount Options: State Farm customers can apply for several discounts to get cheap insurance with SR-22, which we cover in our State Farm review.
- Availability of Coverage: State Farm files SR-22 forms in every state.
Cons
- Online Management: Agents handle most tasks, which limits what SR-22 drivers can do online.
- Missing Coverages: State Farm does not sell gap insurance or offer perks like accident forgiveness, while other cheap SR-22 car insurance companies do.
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#8 – Nationwide: Cheapest for Senior Drivers
Pros
- Senior Discounts: Drivers over 55 who need cheap auto insurance for SR-22 can earn age-based and defensive driver discounts.
- Pay-Per-Mile Insurance: Mileage-based SR-22 insurance is available in some states for low-mileage drivers. Our Nationwide SmartMiles review explains how to qualify for cheap car insurance with SR-22.
- Discount Options: Nationwide has a full selection of discounts for SR-22 drivers.
Cons
- Customer Ratings: Other SR-22 car insurance companies have higher satisfaction levels than Nationwide, which we cover in our Nationwide review.
- Availability: Nationwide only sells auto insurance in 44 states.
#9 – Allstate: Cheapest for Infrequent Drivers
Pros
- Infrequent Drivers: If you qualify for pay-per-mile SR-22 insurance, cheap rates start at $1.50 per day. Learn how it works in our Allstate Milewise review.
- Coverage Options: Allstate’s selection of coverages is better than that of most SR-22 auto insurance companies.
- Bundling Discount: Allstate discounts SR-22 auto insurance rates up to 25% for customers who also buy home or renters insurance.
Cons
- Claims Satisfaction: Allstate has more complaints than other SR-22 insurance providers. Learn more in our Allstate auto insurance review.
- Teen Rates: SR-22 auto insurance rates for teen drivers are higher than the average. For example, teens with a DUI are often charged a few hundred a month for minimum coverage at Allstate.
#10 – Amica: Best for Dividend Payments
Pros
- Dividend Payments: Amica offers annual dividend payments to customers, even with SR-22 filings. Drivers can apply dividends to premium payments to lower SR-22 insurance costs.
- Add-On Coverages: Amica has SR-22 insurance extras like full glass coverage. Learn more in our Amica auto insurance review.
- Young Drivers: Drivers under 30 whose parents are Amica policyholders can earn loyalty and legacy discounts on SR-22 auto insurance.
Cons
- Higher Rates: While Amica is still one of the cheapest SR-22 companies, it is still more expensive than others on our list.
- Online Availability: Amica’s online SR-22 auto insurance quotes aren’t available in all states.
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The Cheapest SR-22 Auto Insurance Companies
Who has the cheapest SR-22 insurance? The table below shows how much drivers can expect to pay on average for minimum and full coverage at the best cheap SR-22 insurance companies:
SR-22 Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $124 | $183 |
| $97 | $158 |
| $129 | $188 |
| $88 | $147 |
| $93 | $154 |
| $119 | $177 |
| $109 | $168 |
| $103 | $163 |
 | $113 | $172 |
| $82 | $139 |
If you’re wondering where to get cheap SR-22 insurance, The General and Dairyland have cheap liability auto insurance with SR-22 for less than $90 per month. The General is also the cheapest option for full coverage, starting at $139 monthly. Compare more rates from the best auto insurance companies for high-risk drivers who need SR-22.
SR-22 isn’t a type of insurance — it’s a form your insurer files with the state to prove you have the required coverage after a serious driving offense like a DUI or reckless driving. It’s often required for high-risk drivers to reinstate their licenses.
State auto insurance laws require SR-22 drivers to carry at least the minimum coverage to drive legally, while lenders will require drivers to carry full coverage on a leased vehicle. High-risk drivers will get the cheapest SR-22 insurance carrying minimum liability coverage, but they leave themselves open to financial risks unless their vehicles are older.
Cheap SR-22 Auto Insurance Rates by State
What is the cheapest SR-22 car insurance by state? South Dakota and Wyoming both have low SR-22 auto insurance rates, between $20 and $24 per month.
SR-22 Auto Insurance Monthly Rates by State & Coverage Level
| States | Minimum Coverage | Full Coverage |
|---|---|---|
| Alaska | $50 | $147 |
| Alabama | $50 | $139 |
| Arkansas | $56 | $162 |
| Arizona | $59 | $156 |
| California | $72 | $219 |
| Colorado | $51 | $169 |
| Connecticut | $87 | $169 |
| District of Columbia | $81 | $192 |
| Delaware | $96 | $183 |
| Florida | $64 | $190 |
| Georgia | $72 | $179 |
| Hawaii | $37 | $100 |
| Iowa | $26 | $104 |
| Idaho | $30 | $106 |
| Illinois | $57 | $150 |
| Indiana | $49 | $143 |
| Kansas | $43 | $135 |
| Kentucky | $64 | $176 |
| Louisiana | $54 | $201 |
| Massachusetts | $56 | $144 |
| Maryland | $126 | $237 |
| Maine | $51 | $115 |
| Michigan | $163 | $339 |
| Minnesota | $90 | $220 |
| Missouri | $55 | $156 |
| Mississippi | $53 | $142 |
| Montana | $42 | $153 |
| North Carolina | $55 | $131 |
| North Dakota | $49 | $177 |
| Nebraska | $39 | $148 |
| New Hampshire | $50 | $122 |
| New Jersey | $126 | $197 |
| New Mexico | $56 | $142 |
| Nevada | $61 | $144 |
| New York | $90 | $174 |
| 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 |
| Virginia | $56 | $132 |
| Vermont | $43 | $133 |
| Washington | $45 | $104 |
| Wisconsin | $47 | $133 |
| West Virginia | $52 | $141 |
| Wyoming | $24 | $105 |
Michigan, Maryland, and New Jersey are the most expensive states, with minimum SR-22 insurance costs over $100 per month. Compare these rates to cheap SR-22 insurance in Mississippi, which is around the national median, at $53 monthly.
For most drivers like you, car insurance is a requirement, but do you know the ins and outs?
— Dairyland® (@dairylandins) January 20, 2025
However, these monthly rates only show how much car insurance costs per month with an SR-22. SR-22 auto insurance has a separate filing fee that varies by state, usually between $15 and $25, but costs can go as high as $40 in states like California. Some companies, like Dairyland, will cover this fee for policyholders.
Read More: When to Buy More Than Minimum Auto Insurance
SR-22 Auto Insurance Requirements by State
SR-22 insurance is not required in every state, and some states require different forms, known as FR-44 auto insurance. FR-44 filings work just like SR-22 insurance, proving a high-risk driver meets state minimum insurance to have their license reinstated but may require higher coverage limits.
FR-44 forms are only required in Florida and Virginia. Compare SR-22 and FR-44 insurance in Florida and SR-22 vs. FR-44 insurance in Virginia to find low rates.
Depending on your record, you might have to carry higher liability limits. If you have to carry higher limits or full coverage on your vehicle, then read on to learn some tips on how to save on SR-22 auto insurance.
How to Save Money on SR-22 Auto Insurance
There are a few things that drivers can do to lower SR-22 rates, although bear in mind that SR-22 insurance will still be pricier than insurance for drivers with clean driving records. For example, a bundling discount can help high-risk drivers save money with the convenience of keeping insurance policies at one provider.
SR-22 insurance raises rates for drivers, but drivers can work to reduce rates by applying for discounts at their high-risk company.Brandon Frady Licensed Insurance Producer
Unfortunately, there are no state-sponsored SR-22 insurance discounts, so you won’t find anything like Hollywood discount SR-22 insurance in California. But you can qualify for other popular auto insurance discounts offered by the cheapest high-risk companies listed below.
SR-22 Auto Insurance Discounts by Provider
| Insurance Company | Anti-Theft | Bundle | Good Student | Low Mileage | Multi-Vehicle |
|---|---|---|---|---|---|
| 10% | 25% | 20% | 30% | 25% |
| 25% | 25% | 20% | 20% | 20% |
| 10% | 30% | 15% | 25% | 20% |
| 5% | 10% | 10% | 15% | 10% |
| 7% | 12% | 10% | 18% | 15% |
| 5% | 20% | 15% | 20% | 20% |
| 25% | 10% | 10% | 30% | 20% |
| 10% | 15% | 12% | 18% | 15% |
| 15% | 17% | 25% | 30% | 20% |
| 8% | 10% | 12% | 15% | 25% |
Low-mileage drivers qualify for discounts, but if you drive less than 10,000 miles annually, you can sign up for pay-per-mile insurance for more affordable SR-22 filings. Allstate Milewise and Nationwide SmartMiles are our top picks, especially if you need cheap full coverage auto insurance with SR-22.
Unlike usage-based auto insurance, pay-as-you-go policies don’t track driving habits, meaning you can get low-cost SR-22 insurance regardless of what your driving record looks like. Check out the best pay-as-you-go auto insurance companies to find a per-mile policy near you.
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SR-22 Insurance: Compare Quotes And Find Cheap Coverage
The General, Dairyland, and Infinity have the cheapest SR-22 car insurance for most high-risk drivers. These companies insure drivers who may have trouble finding coverage with other providers and offer auto insurance discounts on SR-22 for cheap rates.
Want to get cheap SR-22 auto insurance quotes today? Use our free quote tool to find and compare rates from companies in your area.
Frequently Asked Questions
What is the cheapest SR-22 insurance?
The General, Dairyland, and Infinity typically have cheap SR-22 auto insurance because these companies specialize in coverage for high-risk drivers.
What is SR-22 insurance for?
SR-22 insurance ensures that high-risk drivers carry minimum liability auto insurance, and it is state-mandated for DUI offenders.
How do you get an SR-22?
Your auto insurance company files SR-22 insurance with the local DMV on your behalf.
Learn More: DMV Points vs. Insurance Points
Who has the lowest SR-22 insurance rates?
The General has the cheapest rates on average for SR-22 insurance, starting at $82 a month.
Who needs SR-22 insurance?
Drivers who are high-risk, such as those with DUIs or caught driving without insurance, will be required to carry SR-22 high-risk auto insurance.
Does North Carolina require SR-22 insurance?
North Carolina requires high-risk drivers to carry special insurance, but it is called DL-123 insurance rather than SR-22 insurance.
How long do you need an SR-22 after a DUI in California?
The law requires drivers to maintain California SR-22 insurance for three years after a DUI. Find the best auto insurance after a DUI in California.
How long does a DUI affect your car insurance in Florida?
A DUI will affect Florida driver insurance rates for three years. You can get cheap SR-22 insurance in Florida in our guide to cheap auto insurance for high-risk drivers in Florida.
Do I need SR-22 and regular insurance?
Yes. SR-22 filings are not insurance policies but paperwork high-risk drivers must file while carrying a policy to prove they meet minimum state-required coverage limits.
How can you avoid high car insurance premiums?
Rates will be higher when shopping for SR-22 insurance, as high-risk drivers pay more than safe drivers. However, to make sure you get the best deal possible, it is important to shop around. If you are ready to start shopping for cheap SR-22 insurance quotes, enter your ZIP code in our free tool.
Do you need SR-22 insurance without a vehicle?
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