What is SR-22 insurance? – Cheapest SR-22 Insurance by State 2022

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.”

What is SR-22 insurance - Cheapest SR-22 Insurance by State

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 2022

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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