Cheap SR22 Insurance, Without the Guesswork
An SR-22 doesn't have to wreck your budget. Prices for the same driver can differ by hundreds of dollars a year from one insurer to the next. Enter your ZIP to compare carriers that file SR-22s where you live.
- DUI and DWI accepted
- Owners and non-owners
- Same-day filing in most states
What cheap SR-22 insurance really costs
These are typical monthly ranges from published 2025 and 2026 industry rate studies. Your price depends on your state, your record and the insurer, which is exactly why comparing matters.
See the full breakdown in how much SR-22 insurance costs.
Who usually has the cheapest SR-22 insurance?
No single company is cheapest everywhere. Across recent rate studies, these names show up near the top again and again:
| Insurer | Often cheapest for | Availability |
|---|---|---|
| Auto-Owners | Low averages in several studies | 26 states, through local agents |
| State Farm | Cheapest SR-22 option in many states | Nationwide, through agents |
| GEICO | Lowest of the big national direct writers | Nationwide |
| Progressive | Major violations and lapses | Nationwide |
| Erie | Low DUI pricing where offered | Mid-Atlantic and Midwest |
| USAA | Military families | Members only |
Compare them in detail in our cheapest SR-22 companies guide.
7 fastest ways to cut your SR-22 price
- Compare at least three quotes. This is the single biggest saver for high-risk drivers.
- Drop to liability-only on an older, paid-off car. Is that smart for you?
- Pay in full to dodge installment fees and earn a discount.
- Raise your deductible if you do keep full coverage.
- Take a defensive driving course where your state rewards it.
- Go non-owner if you don't actually have a car. See how.
- Never let it lapse. A cancellation can restart your SR-22 clock and add surcharges.
Find out what you could save with our SR-22 savings calculator.
Cheap SR-22 insurance by state
TexasCaliforniaFloridaGeorgiaIllinoisOhioArizonaVirginiaTennesseeMissouriAll 40 states
Cheap SR-22 for your situation
After a DUIHow DUI drivers find the lowest SR-22 rates.
Drivers under 25Cut the age penalty on an SR-22.
Bad creditStates and carriers where credit matters less.
Cheap SR-22 FAQ
What is the cheapest way to get an SR-22?
If you don't own a car, a non-owner SR-22 policy is the cheapest option, often under $60 a month. If you do own a car, liability-only coverage at your state's minimum, from the cheapest of several quotes, is usually the lowest price.
How much does the SR-22 form itself cost?
Usually a one-time filing fee of about $15 to $50 charged by the insurer. The bigger cost is the higher premium caused by the violation behind it.
Does SR-22 insurance get cheaper over time?
Usually, yes. Each year without new violations tends to lower your price, so requote at every renewal.
Can I get cheap SR-22 insurance with no down payment?
True $0-down policies are rare. Most insurers need at least the first month's premium. See low down payment SR-22.