The best car insurance companies that handle SR-22s go beyond filing a simple form. They also help you find cheap insurance, offer coverage or payment flexibility and reward you for improving your driving.
What are the best SR-22 insurance companies?
Take a look at which companies offer the best features for drivers needing to file an SR-22 form.
Progressive offers a wide list of coverage, add-ons and solid perks like accident forgiveness and lowering deductibles. We like that you can access these perks from a traditional car insurance company, while getting all the required SR-22 documentation.
Progressive provides the coverage that most drivers need, along with additional options like custom parts, rideshare or high-risk driver coverage. Its free perks like a lowering deductible and accident forgiveness also reward safe driving. And if you have a limited budget, Progressive offers a free tool to help you find what coverage you can buy at the price you can afford.
Over a dozen car insurance coverage options, more than competitors
Offers options not covered everywhere like rideshare and SR-22 insurance
Accident forgiveness after three years or for claims under $500
Bundle any two policies for a multipolicy discount
Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Mississippi, Nevada, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia
If you're pinched for time with your SR-22 submission, Dairyland can send the proof you need to your state the same day you buy your policy. You also can reach out to a local agent for personal support with your policy or coverage options.
For extra convenience, you can pay with cash, credit, debit, an electronic transfer or by mixing these methods if you need payment flexibility.
Same-day SR-22 filings
Pay nearly any way you choose, or mix and match methods
Offers pay-as-you-go policies
Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
12 months, custom, Monthly
New car protection
To find the best companies, we started with those that approve SR-22 coverage across many states.
Then, we looked at each company’s Finder rating, typical policy costs, coverage options and perks available to high-risk drivers. The companies that stood out in these areas topped our best companies list.
How do I compare SR-22 insurance?
You might need to approach finding a company that files SR-22s a bit differently than comparing traditional car insurance. That’s because you’ll rely more on cheap prices for lower coverage, among other factors to consider for the right policy:
Submits SR-22s in a timely manner. Ask about the company’s timeline for filing SR-22 forms, and add any companies with same-day filings to your list of strong options.
Cheap rates and discount opportunities. Search for your potential company’s list of discounts, and then tuck away your quoted rate to compare with other companies.
Payment flexibility. You might be facing steep premiums as a high-risk driver that will limit your budget. If so, consider companies that let you change due dates or payment methods as needed.
Extra coverage options. Companies that offer more than the basic coverage or perks are worth noting since extras aren’t common for SR-22 insurance.
One-on-one support. A local agent can help you identify the right coverage for you and find extra savings that you might qualify for.
Bodily injury liability is required with a minimum coverage level, like $25,000 for injuries for each person and $50,000 maximum for all accident injuries
Property damage liability is required for damage to someone’s car or property that you cause, with a minimum limit like $25,000
Personal injury protection is sometimes required to pay for your medical injuries, lost income and even childcare or housekeeping services
Uninsured or underinsured motorist is sometimes required to protect you if a driver hits your car or injures you without enough insurance coverage to pay for the damage
Telematics or pay-as-you-go policies use a device installed in your car or an app to track your driving habits or mileage. You can get discounts for low mileage or safe driving, and you can qualify for this policy even as a high-risk driver
What additional coverage options do I have?
Once you’ve covered the basics, you can look at your budget and coverage needs to see if you can add optional coverage. Common coverage add-ons:
Collision helps you pay for your car’s repairs since your liability coverage won’t pay for this if you cause the accident.
Comprehensive pays for your car’s repairs if someone steals your car or it gets damaged in a storm, fire or similar situation.
Gap coverage pays off your car loan if your car is totaled and needs to be replaced after an accident.
Find the best SR-22 insurance policies
While needing an SR-22 might not be your ideal scenario, you can find solid options from the best car insurance companies that insure high-risk drivers.
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
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