✍️ By BeSecuredNow Editorial Team
📅 Regularly Updated
⏱️ 9 min read
📌 Key Takeaway: Homeowners insurance rates vary by hundreds of dollars per year between companies for the same home. Comparing quotes at every renewal is the single most effective way to ensure you're paying a competitive premium.
What Is SR-22 Insurance?
An SR-22 is not insurance — it's a certificate your insurer files with your state DMV proving you carry the legally required minimum liability coverage. Required after DUI, reckless driving, uninsured driving, and license suspension, SR-22 allows you to reinstate your driving privileges.
Top SR-22 Insurance Companies 2026
🏆 Progressive
Best Overall — Lowest Rates, Same-Day Filing
Top Rated
⭐ 4.9 / 5
Progressive is the top choice for most SR-22 drivers — competitive rates in all 50 states, same-day electronic SR-22 filing, and acceptance of most high-risk driver profiles including DUI and reckless driving convictions.
$112/mo
Avg SR-22 Rate
A+
AM Best Rating
899/1000
JD Power Score
✅ PROS
- Highest claims satisfaction
- Dividend policies available
- Excellent replacement cost coverage
⚠️ CONS
- Not available in all states
- Premiums above average in some areas
What Triggers an SR-22 Requirement?
- DUI / DWI conviction: The most common SR-22 trigger — required in almost all states after a DUI.
- Reckless driving: A serious moving violation that triggers SR-22 in most states.
- Driving without insurance: Operating a vehicle without required coverage results in SR-22 requirement in most states.
- License suspension / revocation: SR-22 is required to reinstate a suspended or revoked driver's license.
- Excessive points accumulation: Too many moving violations in a short period can trigger an SR-22 requirement.