15 Cheapest SR22 Insurance in 2024 For Cars
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15 Cheapest SR22 Insurance in 2024 For Cars

Finding the cheapest SR22 insurance for cars can be challenging for drivers sometimes.

SR22 insurance is required for high-risk drivers to prove financial responsibility and comply with state laws. 

While SR22 requirements raise rates, some cheap SR22 insurance options remain to explore. 

This article will examine the 15 cheapest SR22 insurance coverage for cars in 2023.

What is SR22 Insurance?

SR22 insurance is a type of high-risk auto insurance required for drivers with certain violations. 

The state mandates SR22 filings and provides proof of financial responsibility.

Here are some critical facts about SR22 insurance:

  • Required for offenses like DUI, reckless driving, and excessive speeding.
  • Files an SR22 form with the DMV on the driver’s behalf.
  • Provides minimum liability coverage – usually $25,000/$50,000.
  • More expensive than standard insurance due to increased risk.
  • Required to keep for 3-5 years, based on state laws.
  • Lapses in coverage can lead to license/registration suspension.

Knowing the basics of SR22 insurance can help drivers understand their coverage requirements and shop smarter.

15 Cheapest SR22 Insurance Providers for Cars

Here are 15 top insurance companies that offer some of the cheapest prices for SR22 insurance for cars in 2024:


With 80+ years of experience, GEICO provides some of the cheapest SR22 rates nationwide. 

As the second largest auto insurer in the U.S., they have the size and resources to offer affordable high-risk insurance.

Average Monthly Cost: $137

2. Progressive

Known for great rates for high-risk drivers, Progressive provides flexible payment plans for SR22 coverage. Their app and online tools make managing your policy convenient.

Average Monthly Cost: $159

3. SafeAuto

SafeAuto caters to nonstandard, high-risk insurance. They make financial responsibility achievable with some of the lowest SR22 rates available.

Average Monthly Cost: $175

4. Direct Auto

Specializing in SR22 policies, Direct Auto partners with top insurers to offer affordable rates to high-risk drivers. Their easy online quotes help find cheap coverage.

Average Monthly Cost: $186

5. The General

The General provides affordable liability, collision, and comprehensive coverage for drivers needing an SR22. 

With flexible down payments and billing options, they make it more manageable.

Average Monthly Cost: $197

6. Acceptance Insurance

Acceptance Insurance offers customized payment plans and rideshare coverage, providing an affordable option for SR22-required drivers. They offer 24/7 customer support as well.

Average Monthly Cost: $201

7. Elephant

Backed by Admiral Group, Elephant Insurance offers some of the most competitive SR22 rates in the states they operate in. Discount programs like Snapshot can help lower costs.

Average Monthly Cost: $235

8. Freeway Insurance

Available in CA, AZ, TX, IL, and IN, Freeway Insurance has customized SR22 solutions that provide the required coverage at the lowest rates.

Average Monthly Cost: $239

9. Titan Insurance

Titan uses advanced technology to offer affordable quotes for high-risk drivers, including those needing SR22 insurance. Their platform makes finding and managing coverage easy.

Average Monthly Cost: $276

10. Kemper

Offering auto insurance in 47 states, Kemper has affordable SR22 solutions while providing solid financial backing.

Average Monthly Cost: $308

11. Bristol West

Bristol West offers clear explanations around SR22 requirements to help drivers understand their needs. Competitive pricing makes compliance attainable.

Average Monthly Cost: $338

12. Mercury Insurance

Mercury Insurance offers affordable SR22 coverage in 11 western states. Policy options include accident forgiveness to help keep rates low after a mishap.

Average Monthly Cost: $341

13. National General

Drivers can bundle low-cost SR22 auto insurance with motorcycle, RV, and homeowners policies. Their perks, like accident forgiveness, provide added value.

Average Monthly Cost: $342

14. Stillwater Insurance

Specialized in nonstandard insurance, Stillwater offers cost-effective SR22 coverage. Add-on benefits like roadside assistance can provide peace of mind.

Average Monthly Cost: $351

15. Anchor General Insurance

Anchor General offers budget-friendly liability insurance for high-risk drivers in California. 

Customers can also access helpful resources for navigating their SR22 requirements.

Average Monthly Cost: $384

This list provides a sampling of insurers with some of the most affordable SR22 rates for 2023. 

Comparing companies can help drivers find the right policy within their budget constraints.

Why is SR22 Insurance More Expensive?

There are a few reasons why SR22 insurance comes with higher premiums:

  • Higher Risk – Drivers needing an SR22 are statistically more likely to file claims. More risk means higher rates.
  • State Requirements – SR22 policies must meet state minimum liability limits, usually higher than standard policies.
  • Administrative Fees – Insurers charge fees to handle SR22 filings and compliance procedures.
  • Limited Competition – Not all insurers offer SR22 coverage, so there’s less competition for high-risk policies.

While SR22 insurance is pricier, comparing quotes from multiple carriers can help drivers find affordable rates. 

Being a safe, low-mileage driver can also offset some of the increased risk over time.

Tips for Getting the Best Deal on SR22 Insurance

Drivers needing an SR22 will pay higher premiums, but here are some ways to control costs:

  • Compare quotes from at least 3 providers. Rates can vary significantly between insurers.
  • Ask about discounts like multi-policy, good student, or defensive driving.
  • Consider dropping comprehensive and collision to carry minimum liability limits.
  • Ask if they offer usage-based insurance to get premiums based on actual mileage.
  • Enroll in defensive driving to earn a discount and improve skills.
  • Pay annually rather than monthly to avoid installment fees.
  • Drive safely and maintain a clean driving record to qualify for the best rates.

Getting SR22 insurance does not have to devastate your budget. Comparing providers, usage-based programs, discounts, and smart driving can keep your rates affordable.

Frequently Asked Questions

How Much Is SR22 Insurance per Month?

The average cost of SR22 insurance is $150 to $350 per month. However, rates can vary significantly depending on the driver’s age, driving record, location, and other factors. 

Comparing quotes is the best way to find the most affordable option.

How Long Do You Have to Carry SR22 Insurance?

SR22 requirements last 3 to 5 years, depending on the state. The SR22 form confirms you have active insurance, so there can be no gaps in coverage during that mandated period, or your license will be suspended.

What Happens if You Can’t Afford SR22 Insurance?

If you can’t afford SR22 insurance, you risk having your license and vehicle registration suspended. 

Some options to avoid a lapse include enrolling in a monthly payment plan, excluding optional coverages, taking public transportation, or borrowing a vehicle.

Can I Get Cheap SR22 Insurance for My Teen Driver?

Yes, getting cheap SR22 insurance for teen drivers is possible. Have your teen take a defensive driving course, maintain good grades, limit their mileage, exclude collision/comprehensive coverage, and compare rates from insurers that offer discounts for teen drivers.

Who Offers the Cheapest SR22 Insurance?

The most affordable SR22 insurance providers include GEICO, Progressive, SafeAuto, Direct Auto, The General, and Elephant Insurance. 

However, rates are specific to each driver’s personal factors. Comparing quotes is the best way to find the cheapest SR22 insurance.


SR22 insurance leads to higher premiums, but finding affordable coverage is possible. 

Comparing top insurers that offer discounted SR22 policies can help high-risk drivers obtain the required insurance and avoid coverage lapses during the mandated filing period. 

With some research, drivers can find cheaper rates while meeting their state’s financial responsibility laws.