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Compare the best SR22 insurance for 2021

The 5 best companies offer cheap rates, payment flexibility and perks beyond filing your SR22.

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?

Best overall: The General

Roadside assistance

New car protection

Accident forgiveness

The General provides all the essentials you need to submit your SR-22, while getting ample coverage and not sacrificing on customer service.

This company gets high praise from customer reviews and receives relatively few complaints filed, not always the case with high-risk companies.

  • Low rates for state minimum coverage
  • Access proof of insurance instantly
  • Change your premium due date for payment flexibility
  • Highly rated customer service
States served All states except Hawaii Massachusetts Michigan and New Jersey
Roadside assistance Optional
Pay schedule 12 months, monthly
Claims methods Phone, App
New car protection No
Accident forgiveness No

Best for wide SR-22 coverage: Progressive

Roadside assistance

New car protection

Accident forgiveness
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.
  • Works well if you need more than minimum coverage
  • Name your premium to buy within your budget
  • Lets you bundle and save on other policies
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes

Best for the cheapest SR-22 policies: Titan

Roadside assistance

New car protection

Accident forgiveness
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
States served 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
Roadside assistance Optional
Pay schedule monthly
Claims methods online
New car protection No
Accident forgiveness Yes

How do I choose the best SR-22 insurance for me?

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.

What SR-22 coverage should I look for?

To submit your SR-22 proof of insurance, you’ll need at least the minimum car insurance required by your state. Typically, the minimum coverage required is liability, but some states add a few more coverage types too.

  • 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

Name Product Roadside assistance Accident forgiveness Payment schedule States served
The General
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
12 months, 6 months, Quarterly, monthly (fee applies)
High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.
National Auto
National Auto
Depends on provider
All 50 states

Compare up to 4 providers

Bottom line

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.

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