Compare SR-22 car insurance quotes
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Cheapest large insurers for SR-22
| Insurer | Minimum cover / month | Full cover / month | Notes |
|---|---|---|---|
| Erie | $114 | $224 | Sells in 12 states |
| GEICO | $136 | $295 | Nationwide |
| Travelers | $150 | $297 | Also cheapest after a DUI in CarInsurance.com’s data |
| State Farm | $160 | $309 | Large agent network |
| Progressive | $169 | $345 | Widely available for high-risk drivers |
Source: MoneyGeek, October 2026. Averages across violations requiring an SR-22.
Cost by violation
| Violation | Average minimum cover / month |
|---|---|
| Two speeding tickets (11–15 mph over) | $156 |
| Racing | $179 |
| DUI (BAC 0.08 or higher) | $184 |
| Hit-and-run | $188 |
Source: MoneyGeek, October 2026.
For full coverage, CarInsurance.com’s 2026 data shows a first DUI raises the national average premium by 92%, from $2,578 to $4,959 a year, and a second DUI to $8,307. Travelers had the lowest average full-coverage price after a DUI, at $2,933.
Prices by state
| State | Cheapest insurer | Average minimum cover / month |
|---|---|---|
| South Dakota | Progressive | $29 |
| Montana | State Farm | $37 |
| Hawaii | State Farm | $66 |
| Virginia | Travelers | $69 |
| Alabama | Travelers | $79 |
| California | Farmers | $130 |
| Connecticut | GEICO | $168 |
| Louisiana | Progressive | $170 |
Source: MoneyGeek, October 2026. Selected states.
The cheapest option in a state was often 40% to 70% below that state’s average, which shows how much shopping around can save.
Example: the three-year cost of a DUI
Using CarInsurance.com’s 2026 national averages for full coverage, a clean-record driver pays about $2,578 a year. After a first DUI, the average rises to $4,959, an extra $2,381 a year. Over a typical three-year SR-22 period, that’s about $7,100 in extra premiums, before filing fees, reinstatement fees and fines. Choosing the cheapest insurer can cut that sharply: Travelers’ average after a DUI was $2,933, close to the clean-record national average.
If you only need to meet the legal minimum, MoneyGeek’s average minimum-cover price after a DUI was $184 a month, about $2,200 a year, and the cheapest large insurers were well below that.
Fees on top of the premium
- SR-22 filing fee: usually about $25, sometimes up to $50.
- License reinstatement fee charged by the state.
- Court fines and costs connected to the violation.
How to lower SR-22 insurance costs
- Compare at least three insurers, including regional ones such as Erie where available, and specialists in high-risk drivers.
- Choose the cover you need. Liability-only on an older, paid-off car can save hundreds; see full coverage vs. liability.
- Raise your deductible if you keep full cover.
- Take a defensive driving course if your state or insurer offers a discount.
- Ask about discounts such as paid-in-full, bundling and telematics; see our discounts guide.
- Keep continuous cover, then re-shop when the SR-22 ends and the violation ages off.
- Consider a non-owner policy if you don’t own a car; it averaged $574 a year in 2026. See SR-22 without a car.
Frequently asked questions
How much is SR-22 insurance per month?
Among large insurers, average minimum-cover SR-22 prices ranged from about $114 (Erie) to $169 (Progressive) a month in MoneyGeek’s 2026 data.
Who has the cheapest SR-22 insurance?
Erie in the states it serves, followed by GEICO and Travelers, according to MoneyGeek. State-level prices vary, so compare quotes.
How much does an SR-22 add to my insurance?
About $1,511 a year on average after a single DUI, according to Insurance.com. The filing itself costs about $25.
Is SR-22 insurance cheaper with liability only?
Yes. Minimum liability cover with an SR-22 costs roughly half as much as full coverage.
When will my insurance go down after an SR-22?
Usually after the violation ages off your record, often three to five years. Re-shop when your SR-22 requirement ends.
Sources
- MoneyGeek – Cheapest SR-22 insurance 2026 (Oct 2026)
- Insurance.com – SR-22 insurance: how it works and what it costs (May 2026)
- CarInsurance.com – How much is car insurance? (Aug 2026)
- CarInsurance.com – Cheapest car insurance (Sept 2026)
- CarInsurance.com – Non-owner SR-22 insurance (July 2026)
- CarInsurance.com – Standard vs. nonstandard car insurance
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.