Progressive SR-22 Insurance Review (2024)
This Progressive SR-22 insurance review details when to file an SR-22 and how to get coverage. You may be able to have Progressive file SR-22 insurance for a one-time fee of about $25 but expect rates to increase significantly. However, Progressive is one of the few major insurers offering SR-22 coverage.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: May 29, 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: May 29, 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.
On This Page
- If you have an insurance policy with Progressive, its agents can help you apply for an SR-22 certificate
- Being classified as a high-risk driver usually means an increase in insurance rates, but Progressive offers affordable prices and various discounts
- Apply for SR-22 online, over the phone, or through the Progressive app
If you’ve received a notification from the department of motor vehicles (DMV) that you’re required to obtain SR-22 insurance, you might be confused about what step to take next, especially if your insurance agency doesn’t offer this service. This isn’t unusual since most insurance companies don’t provide SR-22 certificates. Also, an SR-22 will raise your insurance rates.
One company that can accommodate you while offering affordable rates is the Progressive Insurance Company. This article explains the basics of Progressive SR-22 car insurance, how to apply for it, and why Progressive’s SR-22 certificate might be the right choice for you.
Keep reading our Progressive SR-22 insurance review to learn more.
Who Needs Progressive SR-22 Insurance
Progressive SR-22 auto insurance can help you meet your SR-22 insurance requirements as defined by your state.
Technically, an SR-22 filing is not insurance but a certificate of financial responsibility. In other words, Progressive’s SR-22 is a proof that you meet the minimum insurance requirements defined by your state.
You might require an SR-22 with Progressive in the following cases:
- You were caught driving without insurance. Whether you haven’t obtained an insurance policy in the first place or your existing one lapsed, you might need an SR-22 certificate to be able to drive again.
- You’re a high-risk driver. If you’ve been convicted of driving under the influence or driving while intoxicated, you might be classified as a high-risk driver. You could also fit into this category if you had repeated offenses in a short period of time or multiple accidents in which you were at fault.
- You haven’t paid child support. Failing to fulfill your court-ordered financial obligations can also require you to obtain an SR-22.
- You need to obtain a hardship license. This license will allow you to drive only under predefined and restricted circumstances, such as to and from work or to receive medical treatment.
If you need an SR-22, you’ll be notified during your court hearing or by your local DMV. Depending on your violation, you can be required to file for an SR-22 certificate for one to three years.
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Obtaining SR-22 Insurance Through Progressive
Progressive car insurance has been in business for over 80 years and serves more than 18 million customers. Unlike most major insurance providers, Progressive does offer SR-22 insurance at an affordable cost.
You’ll be able to obtain a SR-22 insurance even if you don’t own a car. Non-owner SR-22 insurance with Progressive will cover injuries and property damage caused by you when driving someone else’s car.
Being a high-risk driver usually means that your rates will go up significantly. However, Progressive offers many discounts that could help you offset the difference in rates.
Progressive SR-22 Insurance Cost
The filling cost for an SR-22 through Progressive is approximately $25, although this fee might vary slightly depending on your state. The cost of SR-22 insurance varies based on the following:
- Where you live
- Your driving history
- Previous driving infractions
- Coverage limits
- Additional factors
For an accurate price of SR-22 insurance, it’s best to request a Progressive SR-22 insurance quote directly.
How to Get an SR-22 From Progressive
To get an SR-22 certificate of insurance through Progressive, you must first obtain an insurance policy.
If you’re an existing customer, contact Progressive’s SR-22 customer service phone number at 1-866-749-7436. An agent will review your policy and, if needed, file the SR-22 with your local DMV. You can also request an SR-22 online by logging into your Progressive account or using the app.
If you’re currently not insured by Progressive, first you’ll need to send Progressive a request for an SR-22 quote and then purchase a policy that suits your needs. Once you obtain your policy, your Progressive insurance agent will file your SR-22 with your local DMV.
Remember to remove your SR-22 when it’s no longer needed, as it doesn’t run out automatically. Simply call your agent and request for the SR-22 to be removed from your policy.
Progressive Insurance SR-22 Coverage: The Bottom Line
Being classified as a high-risk driver usually means an increase in your insurance rate. However, Progressive does SR-22 at affordable rates, allowing you to get back behind the wheel without breaking the bank. The process is straightforward, and once you’re no longer required to carry Progressive’s SR-22 form, you can easily remove it from your policy and see your rates drop.
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— AutoInsurance.org (@AutoInsurance) April 14, 2023
Since Progressive offers SR-22 coverage, it may be a good fit for your insurance needs.
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Frequently Asked Questions
When do you need to file an SR-22 and does Progressive have SR-22 insurance?
You need to file an SR-22 when required by the DMV or court. Progressive offers SR-22 insurance, making it convenient for those in need.
Do I need an SR-22 or regular insurance through Progressive?
Anyone who needs to fulfill SR-22 insurance requirements set by their state can turn to Progressive for assistance.
How to file for an SR-22 with Progressive?
Whether you own a vehicle or not, you can add an SR-22 through Progressive. Existing customers can contact Progressive’s Customer Service, while new customers can request a quote, purchase a policy, and have their SR-22 filed with the DMV.
How much does Progressive charge for SR-22 insurance?
So, how much is an SR-322 with Progressive? The price for an SR-22 through Progressive is approximately $25, but the overall cost may vary depending on your state and individual circumstances.
What happens when you no longer need an SR-22?
When the SR-22 requirement is no longer necessary, you can request its removal from your policy by contacting your Progressive agent.
Is Progressive a good option for SR-22 coverage?
Progressive is a reliable choice for SR-22 insurance as it offers affordable rates and has a long-standing reputation in the insurance industry.
What is an SR-22?
So, what is the meaning of SR-22? An SR-22 is not actually an insurance policy but rather a certificate of financial responsibility that proves a driver has the minimum required insurance coverage mandated by the state. The SR-22 form filed by Progressive serves as a proof of insurance.
How does SR-22 insurance work?
When you’re required to have an SR-22, you’ll need to contact your insurance company and request that they file the SR-22 form with the state on your behalf. This form verifies that you have the required insurance coverage.
How much will an SR-22 increase my insurance rates?
Having an SR-22 on your policy will result in higher insurance premiums since it’s often required after serious driving violations. On average, you’ll pay $993 a year more.
How to find SR-22 on Progressive?
If you’re a Progressive customer, you can contact their customer service or log in to your online account to inquire about obtaining an SR-22.
How to remove SR-22 in California?
To remove an SR-22 requirement in California, you generally need to maintain continuous insurance coverage for the period required by the state, usually three years. Once that time has passed, you can contact your insurance provider to request that they file an SR-26 form with the California’s DMV, confirming that you no longer need the SR-22.
Does Progressive offer non-owner car insurance?
Yes, Progressive’s non-owner car insurance provides liability coverage for drivers who don’t own a car but may occasionally drive someone else’s car or rent vehicles.
Does Root insurance have SR-22 insurance?
Root does not offer SR-22 insurance. However, it’s always best to directly contact their customer service representatives to verify Root’s SR-22 insurance offering.
How to get a non-owner policy through Progressive?
Progressive’s non-owner insurance policies can be obtained through their website or by contacting their customer service.
Can you get an SR-22 certificate through Progressive in Florida?
If you’re a Progressive customer and require an SR-22 in Florida, you can contact them to request the filing of the SR-22 form with the Florida DHSMV.
Can you get a Progressive quote with an SR-22 online?
Yes, you can get a Progressive quote online even if you need an SR-22. Progressive allows customers to obtain quotes online for policies that require an SR-22 filing.
Does Progressive offer affordable rates with an SR-22 certificate?
The cost of insurance with an SR-22 certificate will likely be higher than standard rates due to the associated risk. However, Progressive may still offer competitive rates for drivers requiring an SR-22 compared to other insurers.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.