Progressive SR-22 Insurance Review (2026)
Progressive can file SR-22 insurance for a one-time fee of $25, but expect premiums to increase significantly. Monthly rates 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...
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Updated October 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 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 the 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.
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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.
Shoppers will ask, “Is Geico or Progressive better for SR-22?” Geico has cheap SR-22 insurance after DUIs compared to Progressive, only raising rates by $39 a month.
Previous driving infractions will have a major impact on your Progressive SR-22 insurance cost, especially if you have multiple reckless driving or DUI violations.
Kalyn Johnson Insurance Claims Support & Sr. Adjuster
Geico, Erie, and Auto-Owners 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 the vehicle you drive and your daily commute. For an average SR-22 insurance price, request an online quote to see costs in your area.
What Influences SR-22 Premiums
How much is SR-22 insurance per month at Progressive? That depends on your coverage limits and various personal factors, like age and gender.
Rates also climb if you have previous Progressive SR-22 claims or other severe violations on your record.
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 |
Where you live is another major factor impacting the cost of SR-22 insurance. State laws influence filing fees and coverage requirements, so rates can fluctuate.
Progressive costs more after an SR-22 in most places. Compare SR-22 costs by state to see what other drivers pay for the same coverage.
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 |
If you need SR-22 insurance in Ohio, Progressive costs $80 more per month than the state average, while SR-22 insurance in Iowa from Progressive is almost $100 more monthly.
Your Progressive SR-22 insurance quote might also go up in your state after certain infractions more than in others. For instance, Virginia and Florida drivers must file FR-44 after a DUI, which requires higher liability limits than other high-risk drivers with SR-22. Learn how these laws affect you:
Ways to Get Cheaper SR-22 Rates at Progressive
To get cheaper Progressive insurance, SR-22 drivers can ask about discounts that could offset the difference in rates. Our review provides a full list of savings: Best Progressive Auto Insurance Discounts
Low-mileage drivers get the biggest savings because the less you’re on the road, the less likely you are to get another violation. Progressive and Allstate beat the competition with a 30% low-mileage discount.
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% |
Unfortunately, Progressive’s other discounts are less impressive. Its 11% bundling discount and 10% anti-theft savings are the smallest among the companies listed.
SR-22 policyholders can find other ways to save with Progressive.
- Keep a Clean Record: Avoid any future violations, and you will see your Progressive SR-22 car insurance rates decrease at each renewal.
- Raise Your Deductible: Increase your deductible to an amount you can afford to get cheaper premiums and still cover repairs.
- Review Optional Coverage: Dropping collision or comprehensive coverage on an older car can lower rates, but maintain the SR-22 required minimum.
- Shop Online: New customers who get a Progressive SR-22 quote online and then buy a policy get an additional discount.
Even if your premiums are higher, do not go without insurance coverage. Progressive will notify the DMV if you let a policy with an active SR-22 lapse, which can result in another license suspension and more expensive rates in the future.
You can find affordable SR-22 policies. Use our free insurance marketplace to get quotes from multiple companies.
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 an 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 driver’s 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.
If you’re not currently insured by them, request a Progressive SR-22 quote and then purchase a policy that suits your needs.
Once coverage is activated, Progressive will send proof of insurance to the DMV. You can ask for a Progressive SR-22 insurance card for your own records, but these are usually digital, sent via email or accessible through the app.
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. It won’t expire automatically. Call Progressive and ask them to take the SR-22 off your policy.
When You Need to File SR-22 Insurance
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 that require SR-22 filings.
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.
Adding Non-Owner SR-22 Coverage from Progressive
Some drivers may be worried about how to get SR-22 with Progressive if they don’t own a car. Progressive offers non-owner SR-22 insurance to cover injuries and property damage you cause while driving someone else’s car.
Unlike a standard auto policy, non-owner coverage follows the driver rather than insuring a specific vehicle, but the SR-22 filing works in the same way. Progressive files the form with the state to show that your non-owner policy meets its required liability limits.
Progressive SR-22 non-owner coverage isn't designed to replace your policy if you get your own vehicle later. Drivers who buy a car need to move to a standard policy.
Travis Thompson Licensed Insurance Agent
While you can shop online for Progressive SR-22 insurance, non-owner coverage isn’t always as simple as completing an online quote.
Drivers in certain states will need to call Progressive directly and work with an agent. See options where you live.
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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.
When comparing plans, 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.
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 |
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.
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, even though Progressive’s rates are higher in most states. 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 increases your insurance rate. Progressive SR-22 costs $122 a month after a DUI, which is higher than most companies. Start Shopping Now: Best Auto Insurance Companies for High-Risk Drivers
However, Progressive is a popular choice for SR-22 because it offers quick, same-day filings for new customers.
SR-22 Insurance Benefits & Limitations Explained
| Pros | Cons |
|---|---|
| Allows license reinstatement | Premiums are much higher |
| Meets state filing requirements | Filing fee adds extra cost |
| Available from major insurers | Lapse may restart filing period |
| Non-owner policies are available | Limits safe driver discounts |
| Shows proof of liability coverage | Full coverage costs increase |
| Helps restore driving privileges | Required for several years |
| Supports court or DMV rules | Some insurers deny coverage |
| Keeps coverage legally active | Must keep continuous coverage |
Progressive files the SR-22 with the DMV after you buy the policy or add coverage to an existing policy. Once you no longer need to carry the Progressive SR-22 form, you can remove it from your policy and see your rates drop.
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 does Progressive charge for an SR-22?
Filing fees for an SR-22 through Progressive Insurance cost about $25. Having an SR-22 on your policy will raise your insurance premiums since it’s often required after serious driving violations. Progressive customers can see a $51 monthly premium increase for filing an SR-22 after a DUI, so compare quotes online before you buy.
Who is better for SR-22, State Farm or Progressive?
State Farm has lower rates, bigger discounts, and is the single provider drivers choose over Progressive for better customer service. State Farm dominates 25% of the SR-22 insurance market, while Progressive takes up 23%. Compare costs and coverage in our article: State Farm Insurance Review
Who’s better, Allstate or Progressive SR-22?
Progressive SR-22 insurance costs less than Allstate and has higher customer satisfaction ratings, but both Allstate and Progressive score below average in J.D. Power customer surveys. Find Out More: Allstate vs. Progressive Auto Insurance
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.
How do I get an SR-22 from Progressive?
For existing Progressive customers asking, “Does Progressive have SR-22 insurance?” log in to your online account or through the mobile app to add it to your policy. New customers can call 1-866-749-7436 to learn how to file SR-22 with Progressive agents. Enter your ZIP code if you need SR-22 insurance today.
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. Our article goes more in-depth: How to Get Free Online Auto Insurance Quotes
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 is the Progressive 2A form for SR-22?
Insurance form 2A is only used for Massachusetts auto insurance to verify when drivers switch providers. You will only need one if you live in MA and switch to Progressive to buy SR-22 insurance.
What happens when you no longer need an SR-22?
How do I remove SR-22 in California?
Can you get a Progressive SR-22 certificate in Florida?
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