Compare SR-22 Insurance 2026 – Side-by-Side Rates

✍️ BeSecuredNow Editorial Team | 📅 August 2026 | ⏱️ 5 min read

Key Takeaway: Progressive and State Farm offer the most competitive SR-22 rates for most drivers in 2026. The difference between the cheapest and most expensive SR-22 quote for the same driver can be $100+/month — always compare at least 4–5 quotes before buying.

SR-22 Insurance Comparison 2026 — Top Companies

Company	Avg Mo (DUI)	Avg Mo (No DUI)	Filing Speed	Non-Owner SR-22	Rating
Progressive	$195	$112	Same day	Yes	⭐ 4.6/5
State Farm	$210	$118	Same day	Yes	⭐ 4.5/5
GEICO	$225	$135	Same day	Yes	⭐ 4.3/5
Dairyland	$230	$125	Same day	Yes	⭐ 4.2/5
The General	$260	$140	Same day	Yes	⭐ 3.8/5
SafeAuto	$270	$148	1–2 days	Yes	⭐ 3.7/5

What to Compare When Shopping SR-22 Insurance

Monthly Premium — Most Obvious but Not Only Factor

The monthly rate is the most visible comparison point, but check annual totals including all fees. Some insurers charge higher monthly installment fees that raise the effective annual cost. Get quotes for both monthly and annual pay options — annual payment typically saves 5–8%.

SR-22 Filing Speed

If your license is suspended, every day matters. Progressive, State Farm, GEICO, and Dairyland all file electronically with same-day processing. Some smaller regional insurers may take 2–5 days. If you need your license reinstated quickly, confirm the filing timeline before buying.

Coverage Limits Beyond SR-22 Minimum

SR-22 only requires state minimum liability — often as low as 25/50/25. If you own a financed vehicle, you likely need comprehensive and collision too. If you have assets to protect, higher liability limits are worth the extra premium even during an SR-22 period. Compare full-coverage quotes alongside liability-only options.

Non-Owner vs Owner Policy

If you don't own a car, non-owner SR-22 is significantly cheaper ($50–$100/mo vs $130–$250/mo for owner policies). Make sure you're comparing the right policy type for your situation. Not all insurers prominently advertise non-owner SR-22 — ask specifically.

SR-22 Comparison by Violation Type

Violation	Cheapest Company	Avg Savings vs Expensive Option
First DUI	Progressive (most states)	$800–$1,500/year
Reckless driving	State Farm or Progressive	$400–$900/year
Uninsured driving	State Farm (clean otherwise)	$300–$700/year
Multiple violations	Dairyland or Progressive	$500–$1,200/year
Non-owner SR-22	GEICO or State Farm	$200–$500/year

Frequently Asked Questions

How many SR-22 quotes should I get?

Get at least 4–5 quotes. SR-22 rates vary more between insurers than almost any other auto insurance product — the spread between cheapest and most expensive for the same driver can easily be $100+/month ($1,200+/year). Spending 30 minutes comparing quotes is one of the highest-value activities during the SR-22 period.

Should I use my current insurer or switch for SR-22?

Get a quote from your current insurer and compare it against at least 3–4 others. If your current insurer offers SR-22 and their rate is competitive, staying can simplify your situation. However, your current insurer may non-renew you after a major violation, or their SR-22 rates may not be competitive. Always compare before assuming your current insurer is the best option.

Can I switch SR-22 insurers mid-period?

Yes — you can switch insurers at any time during your SR-22 period. Buy the new policy first, then cancel the old one (never create a gap). The new insurer files a new SR-22 with the DMV; the old insurer files an SR-26 (cancellation notice). The DMV tracks continuous coverage — a seamless switch with no gap maintains your SR-22 compliance.