Cheap SR-22 Auto Insurance in 2024 (Lower Your Rates With These 10 Top Companies!)
The General, Dairyland, and Infinity are the top companies that sell cheap SR-22 auto insurance. The General offers the cheapest minimum SR-22 insurance, with rates starting at just $82/month. High-risk drivers can work to reduce their rates at the cheapest SR-22 companies by applying for discounts.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 1, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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288 reviewsThe top companies that offer cheap SR-22 auto insurance are The General, Dairyland, and Infinity. High-risk insurance for SR-22 drivers starts at $82/month at The General.
It can be difficult to find affordable SR-22 auto insurance because you are considered a high-risk driver, but these top ten companies offer the best deals on SR-22 car insurance.
Our Top 10 Company Picks: Cheap SR-22 Auto Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $82 | A | High-Risk Coverage | The General |
 | #2 | $88 | A+ | Foreign Diplomats | Dairyland |
 | #3 | $93 | A- | Flexible Payments | Infinity |
 | #4 | $97 | A | Costco Members | American Family |
 | #5 | $103 | A | Diminishing Deductible | Safeco |
 | #6 | $109 | A+ | Qualifying Coverage | Progressive |
 | #7 | $113 | B | Customer Service | State Farm |
 | #8 | $119 | A+ | Widespread Availability | Nationwide |
 | #9 | $124 | A+ | Infrequent Drivers | Allstate |
 | #10 | $129 | A+ | Dividend Payments | Amica |
Continue reading for a full breakdown of each of these high-risk insurance companies. If you are ready to shop for cheap SR-22 car insurance immediately, you can also enter your ZIP in our free quote comparison tool.
- On average, The General has the cheapest SR-22 auto insurance
- Dairyland and Infinity also have affordable rates for SR-22 insurance
- SR-22 insurance will be more expensive than regular auto insurance
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#1 – The General: Top Pick Overall
Pros
- High-Risk Coverage: The General is one of the most experienced companies for dealing with high-risk SR-22 insurance.
- SR-22 Filing: The General will take care of filing drivers’ SR-22 forms.
- Mobile App: Customers can manage SR-22 insurance policies from the free app.
Cons
- Customer Ratings: Overall satisfaction with The General high-risk insurance is just average. For a closer look at ratings, read our review of The General.
- Coverage Options: The General doesn’t offer as many options for add-on coverages to SR-22.
#2 – Dairyland: Best for Foreign Diplomats
Pros
- Foreign Diplomats: Dairyland has experience issuing SR-22 insurance to foreign diplomats who need temporary insurance.
- SR-22 Filing: Dairyland files SR-22 forms for free in most states.
- Coverage Options: Dairyland has a decent selection of insurance coverages for SR-22. Read our Dairyland review to learn more.
Cons
- Availability: Dairyland SR-22 insurance is not available in all states.
- Customer Ratings: Dairyland auto insurance SR-22 complaints are higher than average.
#3 – Infinity: Best for Flexible Payments
Pros
- Flexible Payments: Customers can choose an SR-22 insurance payment plan that suits their needs.
- Roadside Assistance: This can be added to any Infinity SR-22 car insurance policy. Read our Inifity auto insurance review for more information.
- Discount Options: There are good student discounts, paperless discounts, and more on SR-22 auto insurance.
Cons
- Availability: The majority of states don’t have Infinity SR-22 auto insurance.
- Best for High-Risk Drivers: Infinity isn’t a top choice for good drivers, so SR-22 drivers may want to switch after their record is clear.
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#4 – American Family: Best for Costco Members
Pros
- Costco Members: Costco members can buy SR-22 coverage through Costco for a discount.
- Discount Options: Good student discounts and more are available on SR-22 insurance at American Family. To learn more, check out our American Family review.
- Coverage Options: American Family sells plenty of add-ons to high-risk drivers.
Cons
- Availability: American Family does not file SR-22 forms in all states
- Customer Service: Reviews aren’t always thrilled about the quality of service when it comes to SR-22 filings.
#5 – Safeco: Best for Diminishing Deductible
Pros
- Diminishing Deductible: Deductibles may be lowered for accident-free drivers with SR-22.
- Customizable Coverages: There are several different ways customers can customize SR-22 coverage.
- RightTrack Program: The program monitors driving behaviors before issuing a discount to SR-22 drivers.
Cons
- Agent-Only Quotes: You will have to contact an agent to get an SR-22 insurance quote.
- Customer Satisfaction: Numerous customer complaints have been filed on BBB, as you can read more about in our Safeco insurance review.
#6 – Progressive: Best for Qualifying Coverage
Pros
- Qualifying Coverage: Progressive offers great qualifying coverage that meets state requirements for SR-22 filings.
- Snapshot Program: Monitors driving behaviors before issuing a discount to SR-22 drivers.
- Online Management: Progressive offers tools to help customers manage SR-22 policies online. Learn more in our Progressive review.
Cons
- Snapshot Rate Changes: There can be a rate increase for some SR-22 drivers if they drive badly in the program.
- Customer Ratings: Other cheap SR-22 auto insurance companies have better customer service ratings.
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#7 – State Farm: Best for Customer Service
Pros
- Customer Service: Local agents provide personalized assistance to SR-22 customers.
- Discount Options: State Farm customers can apply for several discounts on SR-22 insurance, which we cover in our State Farm review.
- Availability of Coverage: State Farm files SR-22 forms in every state.
Cons
- Financial Stability: Other SR-22 insurance companies have better financial stability ratings than State Farm.
- Online Management: Agents handle most tasks, which limits what SR-22 drivers can do online.
#8 – Nationwide: Best for Widespread Availability
Pros
- Widespread Availability: Nationwide provides SR-22 insurance in most states.
- Pay-Per-Mile Insurance: Mileage-based SR-22 insurance is available in some states.
- Discount Options: Nationwide has a full selection of discounts for SR-22 drivers, which we cover in our Nationwide review.
Cons
- Customer Ratings: Other SR-22 car insurance companies have higher satisfaction levels than Nationwide.
- No Rideshare Insurance: SR-22 customers can’t buy rideshare insurance.
#9 – Allstate: Best for Infrequent Drivers
Pros
- Infrequent Drivers: Allstate offers pay-per-mile insurance in some states to SR-22 drivers.
- Coverage Options: Allstate’s selection of coverages is better than that of most SR-22 companies.
- Bundling Discount: Allstate discounts rates on SR-22 auto insurance for customers who also buy home or renters insurance.
Cons
- Claims Satisfaction: Allstate has more complaints than other SR-22 insurance providers. Learn more in our Allstate review.
- Teen Rates: Allstate’s rates for teen drivers with SR-22 are higher than the average. For example, teens with a DUI are often charged a few hundred a month for minimum coverage at Allstate.
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#10 – Amica: Best for Dividend Payments
Pros
- Dividend Payments: Amica offers dividend payments to customers, even with SR-22 filings.
- Add-On Coverages: Amica has extras like full glass coverage on SR-22 insurance. Learn more in our Amica review.
- Financial Stability: Amica has a good financial rating of A+, which is higher than most SR-22 companies.
Cons
- Availability of Coverages: Amica doesn’t offer all of its SR-22 coverages in Hawaii and Alaska.
- Higher Rates: While Amica is still one of the cheapest SR-22 companies, it is still more expensive than others on our list.
Cheap SR-22 Auto Insurance Rates
High-risk drivers will pay less if they carry minimum liability coverage, but they leave themselves open to financial losses unless their vehicles are older (Read More: When to Buy More Than Minimum Auto Insurance).
The table below shows how much drivers can expect to pay on average at the cheapest companies for minimum and full coverage.
SR-22 Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $124 | $183 |
| American Family | $97 | $158 |
| Amica | $129 | $188 |
| Dairyland | $88 | $147 |
| Infinity | $93 | $154 |
| Nationwide | $119 | $177 |
| Progressive | $109 | $168 |
| Safeco | $103 | $163 |
| State Farm | $113 | $172 |
| The General | $82 | $139 |
States require resident drivers to carry at least the minimum coverage to drive legally, while lenders will require drivers to carry full coverage on a leased vehicle.
If you have to carry full coverage on your vehicle, then read on to learn some tips on how to save on SR-22 auto insurance.
How to Save on SR-22 Insurance at the Cheapest Companies
There are a few things that drivers can do to lower SR-22 rates, although bear in mind that SR-22 insurance will still be pricier than insurance for drivers with clean driving records.
SR-22 insurance raises rates for drivers, but drivers can work to reduce rates by applying for discounts at their high-risk company.Brandon Frady Licensed Insurance Producer
Some of the most popular auto insurance discounts offered by the cheapest high-risk companies are listed below.
A bundling discount can help high-risk drivers save money and offers the convenience of keeping insurance policies at one provider.
Finding Cheap SR-22 Auto Insurance for You
The General, Dairyland, and Infitity have the cheapest SR-22 car insurance for most high-risk drivers. These companies insure high-risk drivers who may have trouble finding coverage at other companies and offer auto insurance discounts to them.
Want to get cheap SR-22 auto insurance quotes today? Use our free quote tool to find and compare rates from companies in your area.
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Frequently Asked Questions
How do you get an SR-22?
Your auto insurance company files SR-22 insurance.
Who has the lowest SR-22 insurance?
The General has the cheapest rates on average for SR-22 insurance.
Who needs SR-22 insurance?
Drivers who are high-risk, such as those with DUIs or caught driving without insurance, will be required to carry SR-22 high-risk auto insurance.
Does North Carolina require SR-22 insurance?
North Carolina requires high-risk drivers to carry special insurance, but it is called DL-123 insurance rather than SR-22 insurance.
How long do you need an SR-22 after a DUI in California?
The law requires drivers to maintain SR-22 insurance for three years after a DUI.
How long does a DUI affect your car insurance in Florida?
A DUI will affect your rates for three years in Florida (Learn More: Cheap Auto Insurance for High-Risk Drivers in Florida).
Do I need SR-22 and regular insurance?
No, SR-22 takes the place of your regular insurance policy.
How can you avoid high car insurance premiums?
Rates will be higher when shopping for SR-22 insurance, as high-risk drivers pay more than safe drivers. However, to make sure you get the best deal possible, it is important to shop around. If you are ready to start shopping for SR-22 insurance quotes, enter your ZIP in our free tool.
Do you need SR-22 insurance without a vehicle?
Yes, if you are driving someone else’s car, you will need to get non-owner SR-22 auto insurance.
What is SR-22 insurance for?
SR-22 insurance insures that high-risk drivers are carrying auto insurance and is state-mandated for DUI offenders and more.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
