Progressive SR-22 Insurance: Is it right for you?
Progressive SR-22 insurance is easily obtainable for those starting a new car insurance policy or adding to existing ones. Although your rates will increase if you must file an SR-22, Progressive has some of the cheapest auto insurance rates in the country.
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UPDATED: Mar 12, 2022
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- Progressive Insurance offers SR-22 coverage, and you can easily add a filing to your existing policy through their mobile app
- Progressive has cheap insurance rates, but an SR-22 will increase your premiums
- Don’t let your SR-22 insurance lapse, or your insurance provider will report it to the DMV
Finding a reputable vehicle insurance company that covers SR-22 certificate holders can be difficult. Most drivers do not need an SR-22 certificate. However, if you are classified as a high-risk driver, the state will send you this mandatory certificate that you must carry to drive.
Progressive Insurance is one of the very few large insurance companies that provides coverage for high-risk drivers and could be a good solution for you to get back on the road again.
Progressive may even file your SR-22 document electronically, saving you the time and hassle of physically filing the document.
In this article, you will learn if Progressive SR-22 insurance is right for you, and important information about getting an insurance policy through Progressive as a high-risk driver.
About Progressive Insurance
Progressive has been in business since 1937 and was founded in Cleveland, Ohio. It is the third-largest auto insurer in the USA. They offer homeowners insurance, renters insurance, and discounts to their customers.
Progressive insurance policies are available in every state in America, but if you move to a different state, you will have to transfer your policy.
You can get a Progressive SR-22 quote directly through their website or with a network of over 30,000 independent agents.
Progressive SR-22 Insurance Coverage
Progressive offers SR-22 coverage for high-risk drivers in all states. When you create a new Progressive policy, let the agent know that you require an SR-22 certificate immediately to get an accurate and timely quote.
There is a $25 SR-22 filing fee that Progressive includes in your policy cost each term that it is required.
When an SR-22 is lifted off your record, contact a Progressive agent to remove it from your policy. The cost of your insurance will probably go down once it is off your record.
If you do not keep up with your auto insurance payment and your policy lapses, Progressive will notify the DMV to suspend your license. It is very important to keep your insurance coverage up to date to prevent this from happening.
Progressive makes it easy to add an SR-22 certificate filing to an existing policy. All you have to do is log into the mobile app or website, and navigate to the “Driving Records” section. In this section, you can request a new SR-22 filing for your existing policy.
You can also get a non-owner SR-22 insurance policy through Progressive. This type of policy is available to those that must carry an SR-22 certificate, but do not own a vehicle.
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The Basics of SR-22 Insurance
An SR-22 is a certificate ordered by the state you reside in. You will receive a letter from the DMV, or the judge will let you know if you must carry this certificate. The SR-22 is commonly misinterpreted as a type of insurance, rather it is a certificate that shows future financial responsibility and proves that you are carrying proper insurance coverage.
The main reasons you may be required to carry an SR-22 certificate are driving without a license, driving on a suspended license, or driving without insurance.
There are several more reasons that you may be issued an SR-22, including being considered a high-risk driver.
Factors That Determine if You are a High-Risk Driver
There could be many reasons the court or the DMV determines that you are a high-risk driver. These include:
- Being convicted of a DUI or DWI
- Several at-fault traffic accidents
- Too many tickets in a short amount of time
- Not paying child support
- Driving without the state-mandated insurance requirements (underinsured)
- Driving with a hardship license, such as an amended license to drive to and from work
In Virginia and Florida, a similar document to the SR-22 is the FR-44. This document is typically issued after a DUI or DWI judgment, and the liability limits required by law are usually double the mandatory minimum.
Progressive SR-22 Insurance Costs
Your insurance rate will increase if you hold an SR-22 certificate. The only way to know how much that increase will be is to get a quote from the insurance company. Insurance rates are highly dependent on numerous factors, such as age, location, credit score, and the amount of accident and moving violations.
Progressive states that moving violations, speeding tickets, and at-fault accidents will result in rate increases, even if it is a minor violation. Non-moving violations, like parking tickets, do not increase your insurance rate.
The average monthly cost of vehicle insurance from Progressive is $109 for a liability-only policy. This cost does not figure in any accidents or moving violations.
The average monthly cost for a 42-year-old person with one accident on their record is $126, which is far lower than Progressive’s competitors, which averages about $166 per month.
You can also see what discounts Progressive provides to offset the increased cost of having an SR-22 on your record.
Summary of Progressive SR-22 Insurance
Typically, large car insurance companies do not offer SR-22 insurance, and if they do, the insurance rates can be sky-high. Progressive is one of the few insurance company giants that offers coverage for new and existing policyholders.
Progressive has been around for decades and offers insurance coverage in all 50 states. They offer policies directly with the company and through a vast network of over 30,000 insurance agents.
Progressive makes it easy to add an SR-22 to your policy. If you are opening a new policy, be transparent about your SR-22 with your agent immediately to save time and frustrations.
You can add a new SR-22 filing to an existing policy easily through their online portal and mobile app.
Progressive will even file your SR-22 certificate electronically and combine the associated fees into your yearly premiums.
Be sure to maintain your payments and don’t let your policy lapse or Progressive will report you to the DMV.
Although it is impossible to tell how much your insurance rates will be with an SR-22 certificate on file, Progressive offers some of the cheapest vehicle insurance policies. It is likely that your insurance will remain affordable with Progressive, even if you are considered a high-risk driver.
Overall, obtaining an insurance policy with Progressive should be a fairly smooth process, even if you must carry an SR-22 certificate.
If you have an SR-22 certificate and need to compare quotes from several vehicle insurance companies, you can easily start with our online car insurance comparison tool by entering your ZIP code.