What is SR-22 insurance?
SR-22 insurance is not an actual policy. Instead, it’s a document your car insurance company files on your behalf that offers you have enough car insurance. As a result, the insurance policy you obtain after filing the SR-22 is sometimes known as “SR-22 insurance.”
States require proof of third-party liability insurance since coverage will pay for any hurts or property harm caused to others by your driving.
The coverage given by the minimum SR-22 insurance will typically not cover any harm to you or damage to your vehicle. You would be required to get SR-22 insurance if you had been considered a high-risk driver.
This can happen if you have been:
- Convicted of a DWI or DUI
- Convicted of repeat traffic violations or too many traffic violations in a short time
- Caught driving with a canceled or denied license
- While driving without auto insurance, involved in an at-fault accident.
As a selected high-risk driver, your state will generally suspend your driver’s license. Then, either your state or a court will require you to obtain an SR-22. You can get your license back and resume driving when the document is filed.
Cheapest SR-22 Insurance by State 2024
| State | Company | Average Annual Premium |
|---|---|---|
| Alabama | Geico | $411 |
| Alaska | USAA | $476 |
| Arizona | Noblr Reciprocal | $184 |
| Arkansas | Geico | $387 |
| California | Geico | $556 |
| Colorado | American National | $290 |
| Connecticut | Geico | $466 |
| Delaware | Doesn’t require SR-22 | Doesn’t require SR-22 |
| District of Columbia | Chubb | $372 |
| Florida | USAA | $295 |
| Georgia | Clearcover | $518 |
| Hawaii | Geico | $363 |
| Idaho | American National | $210 |
| Illinois | Geico | $318 |
| Indiana | Westfield | $289 |
| Iowa | Hastings Mutual | $201 |
| Kansas | Geico | $266 |
| Kentucky | Doesn’t require SR-22 | Doesn’t require SR-22 |
| Louisiana | Louisiana Farm Bureau | $599 |
| Maine | Geico | $223 |
| Maryland | Doesn’t require SR-22 | Doesn’t require SR-22 |
| Massachusetts | Chubb | $264 |
| Michigan | Travelers | $266 |
| Minnesota | Doesn’t require SR-22 | Doesn’t require SR-22 |
| Mississippi | Geico | $342 |
| Missouri | USAA | $353 |
| Montana | Safeco | $203 |
| Nebraska | Farmers Mutual of NE | $255 |
| Nevada | Country Financial | $568 |
| New Hampshire | MAPFRE | $266 |
| New Jersey | Doesn’t require SR-22 | Doesn’t require SR-22 |
| New Mexico | Doesn’t require SR-22 | Doesn’t require SR-22 |
| New York | Doesn’t require SR-22 | Doesn’t require SR-22 |
| North Carolina | Doesn’t require SR-22 | Doesn’t require SR-22 |
| North Dakota | Nodak Mutual | $209 |
| Ohio | Geico | $318 |
| Oklahoma | Doesn’t require SR-22 | Doesn’t require SR-22 |
| Oregon | Geico | $520 |
| Pennsylvania | Doesn’t require SR-22 | Doesn’t require SR-22 |
| Rhode Island | Doesn’t require SR-22 | Doesn’t require SR-22 |
| South Carolina | American National | $304 |
| South Dakota | Farmers Mutual of NE | $198 |
| Tennessee | Westfield | $250 |
| Texas | Clearcover | $466 |
| Utah | Bear River Mutual | $349 |
| Vermont | USAA | $242 |
| Virginia | ALFA Insurance | $396 |
| Washington | PEMCO | $431 |
| West Virginia | Doesn’t require SR-22 | Doesn’t require SR-22 |
| Wisconsin | USAA | $287 |
| Wyoming | Grange Insurance | $168 |
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