Best Affordable SR-22 Auto Insurance Provider in 2021
The best auto insurance companies for SR-22 drivers include the top companies in the country. However, smaller and local insurers are some of the best auto insurance companies for SR-22 car insurance. For instance, Farmers may offer non-owner SR-22 insurance for under $500 a year in California. Compare quotes and coverages to find the best affordable auto insurance companies for SR-22 car insurance in your state.
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UPDATED: Sep 20, 2021
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- To find the best auto insurance companies for SR-22 insurance in your state, weigh the cost of SR-22 insurance with the types and quality of the coverage
- Some of the best affordable SR-22 auto insurance providers include State Farm, GEICO, and USAA
- Though GEICO and USAA significantly raise their rates for drivers with DUIs, the companies’ prices are reasonable, and they receive high ratings from policyholders
What are the best auto insurance companies for SR-22 drivers? Depending on your reason for needing SR-22 insurance, one of your top concerns may be the cost. While you need to afford an annual auto insurance payment, the lowest price isn’t everything.
First, consider the types of coverage you can get with your current or new auto insurance provider. Still, the price will be a factor since you will likely need to pay your bi-annual or annual rates at one time.
Read on for an in-depth discussion about the best auto insurance companies for SR-22 car insurance. Of course, we discuss what you should want from an insurance company if you have an SR-22.
If you want to see quotes from the best auto insurance companies for SR-22s in your area right now, enter your ZIP code into our free quote tool above.
How can you find the best SR-22 auto insurance provider for you?
You need continuous car insurance coverage, but be careful when choosing a new company. The top factors in finding the right insurance company are:
- Types and amount of coverage
- Price and deductibles
- Insurance company ratings and ranks
In other words, you should factor in the following: quality of coverage, the flexibility of policies, cost, a company’s financial stability, and customer satisfaction. But since you have an SR-22, you must choose among companies that will insure you.
Willingness to File SR-22 Forms
First, you need to determine a company’s willingness to file any forms you need to file. Just about all car insurance companies can file the SR-22, but some consider SR-22 drivers too much of a risk.
Check Types of Coverage Offered
Next, look at the type of coverage that different auto insurance companies offer. If you have an SR-22, the types of coverage that insurance companies carry become even more important.
Not only will you need to find a company that will file your SR-22 Financial Responsibility form, but that company must also offer state minimums in auto insurance coverage.
In most states, you only need to carry a minimum of bodily injury (BI) and property damage (PD) liability auto insurance coverage.
You might need to add uninsured motorist liability (UM), underinsured motorist (UIM), medical payments (MedPay), and personal injury protection (PIP) insurance coverage in a handful of states.
|State||Minimum Filing Period (Years)||Minimum Car Insurance Requirements|
|Alabama||3-5||BI & PD liability|
|Alaska||3-20||BI & PD liability|
|Arizona||3||BI & PD liability|
|Arkansas||3-5||BI & PD liability, PIP|
|California||3||BI & PD liability|
|Colorado||3||BI & PD liability|
|Connecticut||1||BI & PD liability, UM, UIM|
|District of Columbia||3||BI & PD liability, UM|
|Florida||3||PD liability, PIP|
|Georgia||3||BI & PD liability|
|Hawaii||3||BI & PD liability, PIP|
|Idaho||3||BI & PD liability|
|Illinois||3||BI & PD liability, UM, UIM|
|Indiana||3-5||BI & PD liability|
|Iowa||2||BI & PD liability|
|Kansas||1-3||BI & PD liability, PIP|
|Louisiana||3||BI & PD liability|
|Maine||3||BI & PD liability, UM, UIM, MedPay|
|Massachusetts||Varies||BI & PD liability, PIP|
|Michigan||3||BI & PD liability, PIP|
|Mississippi||3||BI & PD liability|
|Missouri||2-3||BI & PD liability, UM|
|Montana||3||BI & PD liability|
|Nebraska||3||BI & PD liability, UM, UIM|
|Nevada||3||BI & PD liability|
|New Hampshire||3||Show financial responsibility|
|North Dakota||1||BI & PD liability, PIP, UM, UIM|
|Ohio||3-5||BI & PD liability|
|Oregon||3||BI & PD liability, PIP, UM, UIM|
|South Carolina||3||BI & PD liability, UM|
|South Dakota||3||BI & PD liability, UM, UIM|
|Tennessee||3-5||BI & PD liability|
|Texas||2||BI & PD liability, PIP|
|Utah||3||BI & PD liability, PIP|
|Vermont||3||BI & PD liability, UM, UIM|
|Virginia||3||BI & PD liability, UM, UIM|
|Washington||3||BI & PD liability|
|Wisconsin||3||BI & PD liability, UM, MedPay|
|Wyoming||3||BI & PD liability|
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*In Alaska, each DUI or DWI infraction increases the SR-22 period. After the fourth infraction, the SR-22 period is permanent.
As the Insurance Information Institute points out, New Hampshire is the only state without compulsory insurance laws. While you can purchase insurance in the state, you need to show that you can pay if you get into an accident and you are at fault.
Check Financial and Customer Rankings
Then, look up financial ratings and customer rankings.
- The National Association of Insurance Commissioners has information about complaints.
- You can find information about customer service at J.D. Power, as well.
- A.M. Best, Moody’s, and Standard & Poor’s give insight into many insurance companies’ financials.
Of course, some of the top companies in the nation do well in all the above areas. However, you might want to look at local options, as well. Get quotes from multiple companies.
Read on to see some sample quotes from auto insurance companies that offer SR-22 insurance.
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Which companies are the best affordable auto insurance companies for SR-22 car insurance nationwide?
When you have SR-22 car insurance, you can expect to pay higher rates. However, there are some companies that offer reasonable rates for SR-22 drivers, plus great coverages. Below are eight companies that may have reasonable SR-22 auto insurance rates.
|Company||Annual Rates (Full Coverage)||Annual SR-22 Rates|
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Your rates may be different in your state. For example, Mercury and Farmers may be among the best and cheapest SR-22 insurance companies in California.
Mercury Insurance only services 11 states (eight require the SR-22 form). However, it boasts of the savings that drivers have when switching to it as an insurer. Also, it is well-equipped to handle high-risk drivers. Additionally, drivers can lower their rates even further with discounts.
Farmers Insurance offers non-owner SR-22 insurance. GEICO, State Farm, USAA, and Travelers also offer SR-22 insurance for drivers without a vehicle. However, Farmers may offer the cheapest non-owner California auto insurance, with yearly rates at just under $500.
Nationally, Travelers and Safeco might be among the best auto insurance companies for SR-22 car insurance quotes.
GEICO’s and USAA’s rates increase the most for SR-22 drivers, but their rates are relatively reasonable. Also, these two companies have the best consumer rankings, as evidenced by the 2021 J.D. Power Customer Satisfaction Survey.
USAA received top marks in all regions where it operated. GEICO remained in the top 10 in all areas.
Best Auto Insurance Companies for SR-22: The Bottom Line
Some of the best auto insurance companies for SR-22 car insurance rates include the top companies in the country. However, you might be able to find local companies to give you reasonable rates and coverages that meet or exceed your state’s minimum requirements for car insurance.
The rates you will pay must be reasonable, especially since you will need to pay more up front. However, look closely at the coverages each company offers and ratings that they receive from policyholders.
Ultimately, you will need to get some quotes from numerous insurance providers and talk to an agent. Be forthcoming about your driving record and ask what the company can do for you.
Hopefully, we have helped you determine which company is one of the best auto insurance companies for SR-22 car insurance. To look at quotes from top car insurance providers in your area, enter your ZIP code into our free tool below.