Cheapest SR-22 Insurance 2025 – Real Rates & Companies That Won’t Overcharge You
Freshly updated December 2025 – latest non-owner SR-22 rates, EV high-risk discounts, and same-day filing options added.
Table of Contents
- What an SR-22 actually is
- Average SR-22 costs right now
- Companies that give the lowest rates after an SR-22
- How much you can expect to pay (real numbers)
- Fastest ways to keep the cost down
- Frequently Asked Questions (plain text)
What an SR-22 actually is
An SR-22 is not insurance. It’s just a one-page certificate your insurer files with the state to prove you carry at least the minimum required liability coverage. You usually need it after a DUI/DWI, too many tickets in a short time, driving without insurance, or a serious at-fault accident while uninsured.
Most states require it for 3 years, some for 5. The filing fee itself is only $15–$25 one-time. The big increase comes from the insurance policy itself.
Average SR-22 costs – December 2025
| Situation | Typical monthly cost | Cheapest company right now | Typical yearly savings vs average |
|---|---|---|---|
| First-time DUI + SR-22 | $182 – $368 | Progressive | $800 – $2,400 |
| Multiple tickets / suspension | $168 – $320 | The General / Progressive | $700 – $2,000 |
| Non-owner SR-22 (no car owned) | $42 – $98 | Progressive / Dairyland | $900 – $2,100 |
| Clean again after 3–5 years | Back to normal rates | Any major carrier | $1,500 – $3,000+ |
Companies that give the lowest rates after an SR-22
- Progressive – fastest filing and usually the cheapest overall
- The General – built for high-risk drivers and very competitive
- State Farm – forgiving if it’s your first major violation
- Dairyland – excellent for non-owner SR-22 policies
- Gainsco & National General – strong in southern states
How much you can realistically pay
Many drivers with a recent DUI are paying $140–$220/month with Progressive or The General. Non-owner SR-22 policies often land between $45–$85/month even with a DUI on record. After 3 clean years, rates typically drop back to normal adult levels.
Fastest ways to keep the cost down
- Shop with high-risk specialists (your old company is rarely the cheapest)
- Bundle with home or renters insurance
- Take an approved defensive-driving course (saves another 5–15 % in most states)
- Switch to non-owner SR-22 if you don’t own the vehicle
- Drive an EV (many companies now give high-risk drivers the EV discount)
- Stay clean – the drop after year 3 is huge
Frequently Asked Questions (plain text)
Q: How much does SR-22 insurance cost on average? A: $182–$368/month after a DUI. Non-owner versions can be $42–$98/month.
Q: How long do I need to carry an SR-22? A: Usually 3 years, sometimes 5. A few states let you remove it early with 12–24 clean months.
Q: Can I get an SR-22 filed the same day? A: Yes – Progressive, The General, and Dairyland usually file within hours.
Q: Is non-owner SR-22 much cheaper? A: Yes, often $45–$85/month even after a DUI.
Q: When do rates go back to normal? A: After 3–5 clean years most companies treat you like any other driver again.
Drop your state and current SR-22 rate in the comments – we reply to every one!
