✍️ BeSecuredNow Editorial Team | 📅 August 2026 | ⏱️ 5 min read
Key Takeaway: The cheapest SR-22 insurance comes from Progressive, State Farm, and Dairyland for most violations. GEICO and The General are competitive for DUI-related SR-22s. Rates vary enormously by state and violation type — always get at least 4–5 quotes.
Cheapest SR-22 Insurance Companies in 2026
| Company | Avg Monthly (SR-22) | Best For | Files SR-22? |
|---|
| Progressive | $112/mo | Most violations, best overall value | Yes |
| State Farm | $118/mo | First-time violations, loyal customers | Yes |
| Dairyland | $125/mo | High-risk specialists, DUI/DWI | Yes |
| The General | $130/mo | Very high-risk, multiple violations | Yes |
| GEICO | $135/mo | Competitive for DUI in some states | Yes |
| National average (SR-22) | ~$185/mo | — | — |
How to Get the Cheapest SR-22 Rate
Shop Multiple Companies — Most Important Step
SR-22 rates vary more between insurers than standard auto rates. Progressive might charge $100/mo while another insurer charges $250/mo for the same driver and violation. Get 5+ quotes. Use comparison tools and work with an independent high-risk auto insurance specialist.
Choose Minimum Required Coverage
While minimum coverage isn't always recommended, if budget is severely constrained, SR-22 only requires state minimum liability limits. In most states: 25/50/25 ($25K bodily injury per person, $50K per accident, $25K property damage). This significantly reduces your premium compared to full coverage.
Maintain Continuous Coverage
Any lapse in your policy during the SR-22 period triggers automatic DMV notification and license suspension. A policy lapse also resets your path to lower rates. Set up autopay and ensure your payment method is current. Pay annually upfront if possible — insurers charge installment fees for monthly billing.
Frequently Asked Questions
How much does SR-22 add to my insurance?
The SR-22 filing fee itself is just $15–$50 one-time. The real cost is your high-risk classification — typically adding 40–100% to your base premium. A driver paying $100/mo before a DUI might pay $150–$200/mo with an SR-22. Rate increases vary by violation type, state, driving history, and insurer.
Can I shop for new SR-22 insurance while keeping my current policy?
Yes — you can get quotes from other insurers anytime. If you find a better rate, buy the new policy first, then cancel the old one. Never cancel before securing the new policy — a gap in SR-22 coverage means immediate license suspension in most states.
Does my SR-22 rate go down over time?
Usually yes — as the violation ages, many insurers gradually reduce the surcharge. After 1 year without additional violations, some insurers re-quote at slightly lower rates. After completing the full SR-22 period (usually 3 years) and removing the SR-22, rates should drop significantly — though the underlying violation may continue to affect rates for 3–7 years total depending on severity.