Best SR-22 Car Insurance in 2025 (Check Out the Top 10 Companies)

Top Pick for SR-22: Farmers

3,072 reviews

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3.9

Table of Contents

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Company Facts

Full Coverage for SR-22

$130/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Extensive coverage and discount options
• High customer service ratings
• Offers Signal, a usage-based insurance discount

• Not available in every state
• Rates are higher than average

» Farmers Car Insurance Review

3,072 reviews

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Best Benefits for SR-22: AAA

3,027 reviews

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4.1

Company Facts

Full Coverage for SR-22

$140/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Membership Benefits
• Insurance Bundling
• Reputation and Stability

• Limited Availability
• Non-Digital Services
• Membership Requirement

» AAA Car Insurance Review

3,027 reviews

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Best Discounts for SR-22: American Family

2,235 reviews

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4.0

Company Facts

Full Coverage for SR-22

$125/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Customer Service
• Coverage Options
• Discounts

• Digital Tools
• Policy Terms
• Claims Satisfaction

» American Family Car Insurance Review

2,235 reviews

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The best SR-22 car insurance companies are Farmers, AAA, and American Family, with rates starting at $70. Farmers are great for flexible plans, AAA gives member perks, and American Family offers loyalty discounts. These companies offer low rates with good SR-22 coverage and benefits.

An SR-22 is required after certain violations to keep your license. It proves you have the minimum car insurance needed by law.

Our Top 10 Company Picks: Best SR-22 Car Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A	Policy Flexibility	Farmers
	#2	15%	A	Membership Benefits	AAA
	#3	25%	A	Loyalty Discounts	American Family
	#4	10%	A+	Affordable Rates	Progressive
	#5	17%	B	Strong Reputation	State Farm
	#6	20%	A+	Broad Coverage	Nationwide
	#7	25%	A	Customizable Plans	Liberty Mutual
	#8	25%	A++	Driver Rewards	Geico
	#9	5%	A+	Safety Discounts	The Hartford
	#10	25%	A+	Regional Value	Erie

An SR-22 makes insurance harder and may raise rates, but most insurers can file it quickly and help you stay covered with the right policy.

Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.

#1 – Farmers: Top Overall Pick

Pros

• Coverage That Fits Your Needs: Farmers lets you adjust your SR-22 car insurance to get the right protection at a price that works for you.
• Support You Can Count On: Farmers has a friendly team ready to help SR-22 drivers understand their options and get the coverage they need without the stress.
• Big Discounts: They offer plenty of discounts to help lower the cost of SR-22 insurance, making it easier to stay covered without breaking the bank.

Cons

• Limited Availability: Farmers aren’t widely available for SR-22 car insurance policy coverage in all U.S. states. Find out more in our guide, “Farmers Insurance Review.”
• Higher Premiums: Farmers’ insurance rates for the best SR-22 car insurance may be slightly higher than other affordable, budget-friendly options.

#2 – AAA: Best for Membership Benefits

Pros

• Exclusive Member Perks: AAA members receive added benefits, special discounts, and rewards alongside the best SR-22 car insurance, starting at $90 for minimum coverage.
• Roadside Assistance: AAA offers strong roadside assistance, towing services, fuel delivery, and lockout help with SR-22 policies.
• Multi-Policy Savings: Bundling with home, renters, life, or other insurance products lowers SR-22 car insurance costs. Read our “AAA Insurance Review & Complaints,” guide for more details.

Cons

• Membership Requirement: AAA SR-22 car insurance requires an active AAA membership, adding an extra yearly or monthly cost for policyholders to consider.
• Higher Base Rates: AAA’s rates for the best SR-22 car insurance can sometimes be higher than other major competitors’ prices, making affordability a potential concern.

#3 – American Family: Best for Loyalty Discounts

Pros

• Loyalty Savings: Long-term customers receive great discounts on the best SR-22 car insurance, with minimum coverage starting at $80.
• Personalized Service: American Family agents provide customized SR-22 insurance solutions with friendly support, expert advice, and step-by-step guidance.
• Accident Forgiveness: Some policies help prevent rate hikes after minor incidents, keeping your rates more stable and affordable over time.

Cons

• Limited Availability: The best SR-22 car insurance for the American Family is not offered in every state, making it harder for some drivers to find coverage.
• Strict Eligibility Rules: Some discounts require a long history with the company, making savings harder for newcomers. For more info, click here, American Family Insurance Review.

#4 – Progressive: Best for Affordable Rates

Pros

• Budget-Friendly Pricing: Progressive offers the lowest rates for the best SR-22 car insurance, starting at $75 for minimum coverage.
• Name Your Price Tool: Drivers can customize their SR-22 car insurance policy to fit their budget quickly and affordably. Get the full details in our guide, “Progressive Insurance Review.”
• Strong Digital Tools: Online quotes and policy management make SR-22 car insurance coverage easy, fast, and stress-free.

Cons

• Higher Fees for Drivers: Some SR-22 policyholders may face extra fees, making their insurance much more expensive.
• Rate Increases After Incidents: Premiums can rise quickly after claims, leading to higher costs for drivers with past accidents or violations.

#5 – State Farm: Best for Strong Reputation

Pros

• Trusted Provider: State Farm is a top-rated company for the best SR-22 car insurance, with rates starting at $70 for minimum coverage.
• Discount Opportunities: Bundling and safe driving discounts help reduce SR-22 car insurance costs. For more insights, click here, “State Farm Insurance Review & Complaints.”
• Strong Agent Network: Personalized support, expert advice, claims help, coverage options, and local assistance are available through local agents.

Cons

• Fewer Discounts for Drivers: If you need SR-22 insurance, you might not get as many discounts as before, so it could cost a lot more.
• Premiums May Vary: Rates for the best SR-22 car insurance depend heavily on your specific location, past driving history, and different insurance provider choices available.

#6 – Nationwide: Best for Broad Coverage

Pros

• Comprehensive Coverage: Nationwide offers broad coverage options for the best SR-22 car insurance at just $85 per month for minimum coverage.
• Accident Forgiveness: SR-22 car insurance helps prevent big rate hikes for qualifying high-risk drivers by protecting them financially after unexpected accidents.
• Vanishing Deductible: SR-22 car insurance offers much lower deductibles over a set time for safe and responsible drivers who maintain a clean record.

Cons

• Can Be Pricey: Rates for SR-22 car insurance may be higher in some states due to risk factors. Learn all about it in our guide, “Nationwide Insurance Review & Complaints.”
• Fewer Local Agents: Some areas have limited in-person support for SR-22 car insurance, making online help more important.

#7 – Liberty Mutual: Best for Customizable Plans

Pros

• Flexible Policy Options: Liberty Mutual offers tailored plans for the best SR-22 car insurance, with minimum coverage starting at just $95 per month.
• Accident Forgiveness: SR-22 car insurance coverage helps prevent major rate spikes from happening after the first at-fault accident occurs unexpectedly.
• Comprehensive Add-Ons: Additional coverage options like rental reimbursement further enhance SR-22 insurance protection for better financial security and peace of mind.

Cons

• Higher Premiums: Liberty Mutual’s best SR-22 car insurance rates are often on the pricier side compared to competitors. Discover more in our guide, “Liberty Mutual Insurance Review.”
• Discounts vary by state: Some SR-22 car insurance discounts may not be available in all locations, depending on local rules and providers.

#8 – Geico: Best for Driver Rewards

Pros

• Affordable Coverage: Geico offers SR-22 car insurance for just $78 a month, making it a great budget-friendly choice for many drivers.
• Simple Online Access: You can easily manage your SR-22 insurance online—check your coverage, make payments, update your information, and get documents anytime.
• Save for Safe Driving: If you drive safely, you can get discounts that help lower your SR-22 insurance costs. It’s a win-win if you have to save money and build good driving habits.

Cons

• Limited Local Agents: In-person support options for SR-22 insurance are limited, making it harder to get help. Want more info? Click here for the Geico Insurance Review & Complaints.
• Rates May Increase: SR-22 car insurance premiums may rise following accidents, tickets, or violations, leading to higher monthly costs.

#9 – The Hartford: Best for Safety Discounts

Pros

• Safety-Focused Discounts: The Hartford offers the best SR-22 car insurance with safety-based savings, starting at $88. For full guide click our guide, “The Hartford insurance review.”
• AARP Member Benefits: Additional perks for AARP members help lower SR-22 car insurance costs, making coverage more affordable and valuable for older drivers.
• Great Customer Support: Physicians get reliable help with SR-22 car insurance, making the process easy and fast when they need it.

Cons

• Higher Costs: The Hartford’s SR-22 car insurance might cost more for physicians who aren’t members, so it may not be the cheapest option.
• Limited Availability: Some SR-22 car insurance policies are only available through AARP, restricting options for younger drivers or non-members seeking coverage.

#10 – Erie: Best for Regional Value

Pros

• Competitive Regional Rates: Erie offers affordable SR-22 car insurance at $82 for minimum coverage in select states. Uncover all the details in our guide, “Compare Car Insurance.”
• Intense Customer Satisfaction: Erie receives consistently high ratings for SR-22 car insurance service from many satisfied customers.
• Great Customer Support: Physicians get reliable help with SR-22 car insurance, making the process easy and fast when they need it.

Cons

• Higher Costs: The Hartford’s SR-22 car insurance might cost more for physicians who aren’t members, so it may not be the cheapest option.
• Fewer Digital Tools: Online policy management options for SR-22 car insurance are less advanced than other major insurers, making updates less convenient.

The Basics of SR-22 Insurance

An SR-22 may also be called a certificate of insurance or a financial responsibility filing. It is not a type of auto insurance policy, but it is simply a certificate filed by your insurance company to provide evidence that you are meeting your obligation to the state’s financial responsibility law.

SR-22 Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$90	$140
	$80	$125
	$82	$128
	$84	$130
	$78	$118
	$95	$145
	$85	$135
	$75	$120
	$70	$110
	$88	$133

Being required to file an SR-22 does not change the coverage you need to carry on your policy. You must carry a policy that meets the state’s legal minimums, and if you have a loan, you will also need to meet your lender’s requirements for auto insurance coverage.

Car Insurance Discounts From the Top Providers for SR-22

Insurance Company	Available Discounts
	Membership, Multi-Car, Safe Driver, Good Student
	Multi-Policy, Early Signing, Loyalty, Safe Driving Habits
	Multi-Policy, Young Driver Loyalty, Safe Vehicle, Accident Prevention
	Multi-Policy, Safe Driver, Good Student, Anti-Theft Device
	Defensive Driving Course, Good Student, Multi-Policy, Vehicle Safety Equipment
	Early Shopping, Multi-Car, Vehicle Safety Features
	SmartRide, Multi-Policy, Accident-Free, Paperless Billing
	Multi-policy, Continuous insurance, Snapshot usage-based program
	Drive Safe & Save, Multi-Policy, Good Student, Anti-Theft
	Bundling Policies, Safety Equipment, Defensive Driving Course

Typically, your auto insurance company can file an SR-22 for you, although there are some that do not provide this service. It is fairly likely that your current insurer can file it.

What needing an SR-22 means to your insurer is that you are a higher-risk driver. That is because filings are usually required as the result of a major violation or of repeated minor violations. Some of the situations that might result in an SR-22 are driving without insurance, DUI, being found at fault in a serious accident, or repeated minor driving violations like multiple speeding tickets in a short time period.

Higher-risk drivers do pay higher insurance rates, and in some cases, they mean the insurance company will make the decision that the risk is too high, and they will no longer provide coverage. With or without an SR-22, major violations or multiple minor ones can lead to this same result.

A Simple Guide to SR-22 Insurance

While there is nothing special about the insurance policy itself, the SR-22 form does have a few specific requirements for top SR-22 insurance.

First of all, there is a filing fee, usually, this fee is about $25. Only your insurance company can file the SR-22 form for you – it is not something you can do yourself. Simply showing proof of insurance to your Department of Motor Vehicles (DMV) does not meet the SR-22 requirement.

Going in circles trying to figure out insurance? We can help you learn about severing from your parents’ policy.#Severance Season 2 is now streaming on @AppleTV pic.twitter.com/77f56rX9cN

— State Farm (@StateFarm) February 21, 2025

There are some insurance companies that focus on providing coverage to those who need an SR-22. These companies are often a last-ditch choice for high-risk drivers who are not able to get coverage in the standard market and are referred to as non-standard insurers. Bear in mind that an SR-22 does not automatically mean you will not be able to get a standard type of coverage – it really depends on your driving record.

A Clear Guide to Our Process

Our first step to choosing the best insurance companies for an SR-22 coverage was to acknowledge that some drivers will be able to get coverage from a standard insurance company and others will not. We, therefore, chose companies that represent both options.

We also looked at the company’s reputation. Unfortunately, many non-standard insurance companies suffer from a poor customer service experience, but there are some solid Oregon SR-22 insurance companies out there. All of our top picks have a good reputation for handling claims.

Rates are always a concern when it comes to needing an SR-22 filing. The bottom line is that if you need an SR-22, odds are good you have something on your record that is going to hike up your rates. We chose our top picks based on companies with good rates, and also looked for companies where discounts could help bring those rates down for the cheapest car insurance options.

We also chose an SR-22 insurance company in St. Petersburg that will handle your SR-22 filing quickly and efficiently, so there is no delay. Finding the right SR22 insurance company in St. Petersburg can help you get back on the road faster.

As always, we chose companies whose products are widely available. Our selections do not have specific eligibility requirements for obtaining insurance, such as “Does USAA have SR-22 insurance”, which is only offered to military members, and they are available nationwide.

Read more: Non-Owner SR-22 Car Insurance: What It Is and How to Get It

The Best Recommendations We Have

We chose two standard companies and one non-standard insurance company to round out our top three coverage options.

Foremost is our pick for SR-22 drivers needing non-standard auto insurance thanks to a good reputation and position as a part of the Farmers Insurance Group of companies. That connection gives them a solid financial backing, and also means customers can take advantage of multi-policy discounts with Farmers products as well as Foremost products.

Foremost does not offer online quoting for rate comparisons, but we would not expect them to be the least expensive option. They do, however, have an extensive list of discounts that are even available to higher-risk drivers.

Read more: Foremost Insurance Company Review & Complaints: Home, Car, & Recreational Vehicle Insurance

With fast, efficient, online systems, Esurance will get you covered and get your SR-22 filed quickly and with little effort on your part. They have a good reputation and insure a wide variety of drivers.

Esurance is also one of the more affordable choices in the market and has a list of discounts available even to high-risk drivers including a paid in full discount, online purchase discount, and a discount for switching your insurance, as long as you do not have any lapses. All of that can help bring rates down further.

Progressive offers insurance even to drivers with some problems with their driving record, including those requiring an SR-22. They are also one of the top insurance companies in the country and known for competitive rates for drivers.

Progressive handles SR-22 filings quickly and will file electronically as soon as your auto policy is issued. They are also good to have at your back in the event of a claim, with a strong reputation and solid customer service record.

SR-22 Insurance Shopping Tips You Need

If you already have multiple insurance policies with your current insurance provider and are not going to be non-renewed for the violations associated with the SR-22, you might want to stay put. Your multi-policy discounts, longevity discounts, and other deals with the current company may well make up for the increased cost of your auto insurance due to the SR-22.

Remember that the SR-22 is only for three years, and the rate increase for the violation(s) will drop each year. You might want to hang tight rather than give up the relationship and discount list you have built.

That said, it’s a good idea to get some quotes and make sure you get quotes for moving all of your insurance in order to take advantage of multi-policy discounts. Every company weighs violations differently, so while one company may really ding you on rates, another may be able to help you save a lot of money.

When getting SR-22 insurance quotes with USAA, be upfront about your driving history and SR-22 needs. If you leave anything out, your rate might not be right, and it could go up once they check your record.

Finally, make sure you research any company’s reputation. At times, smaller-sized local companies may be able to do better for you on an SR-22 filing than even the major national insurers. However, it is important to be certain you are getting good coverage from a reputable company.

Read more: Full Coverage Car Insurance: An Expert Guide

Case Studies: How Top SR-22 Insurance Providers Help Drivers

Finding the right SR-22 car insurance can be challenging, but the best providers offer solutions that make a difference. Three case studies show how Farmers, AAA, and American Family helped drivers secure affordable and reliable coverage.

Case Study 1: Flexible Policies with Farmers

After a rough patch, John needed SR-22 insurance with flexible options. Farmers helped him get a plan with easy payments that kept him legal. The process was simple, the price was fair, and the coverage worked great. Now, John drives with peace of mind, knowing he’s covered.

Case Study 2: AAA’s Membership Perks Save Money

Lisa had been with AAA for years, and bundling her SR-22 policy with their AAA’s other services helped her save money. She also got roadside assistance, special discounts, and flexible payment options. AAA’s support team made the process easy; extras like accident forgiveness and rental car coverage gave her even more value.

Read more: Best Car Insurance Discounts

Case Study 3: Loyalty Discounts with American Family

Mark had been with the American Family for years, and it paid off when he needed SR-22 insurance. He got significant discounts, keeping his rates low despite being high-risk. The savings helped him stick to his budget while still getting the required coverage. Because he stayed loyal, he found a policy that worked for him.

These cases show that the best SR-22 car insurance providers offer more than coverage—they provide value, flexibility, and savings for high-risk drivers.

Choosing the Right SR-22 Car Insurance

Finding good SR-22 car insurance helps you follow state rules and save money over time. Farmers, AAA, and American Family have great options with flexible plans, discounts, and helpful customer support. These companies help high-risk drivers get reliable coverage at competitive rates, making staying insured and legally protected easier.

The best SR-22 insurance depends on your needs, driving record, budget, and state rules. Comparing quotes helps you save money. Picking a trusted company with good reviews makes sure you get affordable, reliable coverage that meets state rules and gives you peace of mind.

Read More: Best Car Insurance Company That Sells Online

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