Progressive SR-22 Insurance Review (2025)

If you’ve received a notification from the department of motor vehicles (DMV) that you’re required to obtain SR-22 insurance, you might be confused about what step to take next, especially if your insurance agency doesn’t offer this service. This isn’t unusual since most insurance companies don’t provide SR-22 certificates. Also, an SR-22 will raise your insurance rates.

One company that can accommodate you while offering affordable rates is the Progressive Insurance Company. This article explains the basics of Progressive SR-22 car insurance, how to apply for it, and why Progressive’s SR-22 certificate might be the right choice for you.

Keep reading our Progressive SR-22 insurance review to learn more.

Who Needs Progressive SR-22 Insurance

Progressive SR-22 auto insurance can help you meet your SR-22 insurance requirements as defined by your state.

Technically, an SR-22 filing is not insurance but a certificate of financial responsibility. In other words, Progressive’s SR-22 is a proof that you meet the minimum insurance requirements defined by your state. 

You might require an SR-22 with Progressive in the following cases:

• You were caught driving without insurance. Whether you haven’t obtained an insurance policy in the first place or your existing one lapsed, you might need an SR-22 certificate to be able to drive again.
• You’re a high-risk driver. If you’ve been convicted of driving under the influence or driving while intoxicated, you might be classified as a high-risk driver. You could also fit into this category if you had repeated offenses in a short period of time or multiple accidents in which you were at fault.
• You haven’t paid child support. Failing to fulfill your court-ordered financial obligations can also require you to obtain an SR-22.
• You need to obtain a hardship license. This license will allow you to drive only under predefined and restricted circumstances, such as to and from work or to receive medical treatment.

If you need an SR-22, you’ll be notified during your court hearing or by your local DMV. Depending on your violation, you can be required to file for an SR-22 certificate for one to three years.

Obtaining SR-22 Insurance Through Progressive

Progressive car insurance has been in business for over 80 years and serves more than 18 million customers. Unlike most major insurance providers, Progressive does offer SR-22 insurance at an affordable cost. 

You’ll be able to obtain a SR-22 insurance even if you don’t own a car. Non-owner SR-22 insurance with Progressive will cover injuries and property damage caused by you when driving someone else’s car.

Being a high-risk driver usually means that your rates will go up significantly. However, Progressive offers many discounts that could help you offset the difference in rates. 

Progressive SR-22 Insurance Cost

The filling cost for an SR-22 through Progressive is approximately $25, although this fee might vary slightly depending on your state. The cost of SR-22 insurance varies based on the following:

• Where you live
• Your driving history
• Previous driving infractions
• Coverage limits
• Additional factors

For an accurate price of SR-22 insurance, it’s best to request a Progressive SR-22 insurance quote directly.

How to Get an SR-22 From Progressive

To get an SR-22 certificate of insurance through Progressive, you must first obtain an insurance policy. 

If you’re an existing customer, contact Progressive’s SR-22 customer service phone number at 1-866-749-7436. An agent will review your policy and, if needed, file the SR-22 with your local DMV. You can also request an SR-22 online by logging into your Progressive account or using the app.

If you’re currently not insured by Progressive, first you’ll need to send Progressive a request for an SR-22 quote and then purchase a policy that suits your needs. Once you obtain your policy, your Progressive insurance agent will file your SR-22 with your local DMV. 

Remember to remove your SR-22 when it’s no longer needed, as it doesn’t run out automatically. Simply call your agent and request for the SR-22 to be removed from your policy.

Progressive Insurance SR-22 Coverage: The Bottom Line

Being classified as a high-risk driver usually means an increase in your insurance rate. However, Progressive does 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.